Reg Gustin at Select Rate Mortgage NMLS #249410

Reg Gustin at Select Rate Mortgage NMLS #249410 Reg Gustin is a home loan originator with 29 plus years’ experience.
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08/27/2026

🏡 FIRST-TIME HOMEBUYERS: Should you buy now or wait for lower rates?

It’s tempting to wait for mortgage rates to come down. But what happens if they do?

👉 More buyers may enter the market.
👉 Competition for homes could increase.
👉 Sellers may be less willing to negotiate.
👉 Home prices could rise.

Right now, you may have something that could disappear when rates fall:

NEGOTIATING POWER.

And remember:

🔑 You may be able to refinance your mortgage rate later. You can’t refinance the price you paid for your home.

Before deciding to wait, let’s look at what buying today would actually look like for you.

Message me and I’ll help you run the numbers.

Reg Gustin | Select Rate Mortgage
Mortgage Guy360

Equal Housing Opportunity 🏠

Happy National Dog Day! 🐾❤️Around here, these three are an important part of the Mortgage Guy360 team — although their p...
08/27/2026

Happy National Dog Day! 🐾❤️

Around here, these three are an important part of the Mortgage Guy360 team — although their productivity is questionable. 😂

They make every day a little better.

Give your four-legged family members some extra love today!

🏡 Your first home may be closer than you think.FHA financing allows qualified buyers to purchase a home with as little a...
07/29/2026

🏡 Your first home may be closer than you think.

FHA financing allows qualified buyers to purchase a home with as little as 3.5% down—and it isn’t limited to first-time buyers.

Want to know what you may qualify for? Message me today, and let’s explore your options.

Reg Gustin
Mortgage Guy360
NMLS #249410

Equal Housing Opportunity. Program guidelines and borrower qualifications apply. This is not a commitment to lend.

🏡 FHA Loans Can Make Homeownership More AccessibleBuying your first home may be easier than you think.An FHA loan offers...
07/23/2026

🏡 FHA Loans Can Make Homeownership More Accessible

Buying your first home may be easier than you think.

An FHA loan offers flexible qualifying guidelines and may require less money upfront than many buyers expect. Whether you’re purchasing your first home or returning to the market, FHA financing could be a great option.

FHA Loan Benefits may include:
✅ Low down payment options for qualified borrowers
✅ Flexible credit guidelines
✅ Seller concessions may be available
✅ Gift funds may be used for eligible costs

If you’re looking to buy, let’s explore whether an FHA loan is right for you.

📲 Click Learn More to get started.

Equal Housing Opportunity. Loan approval is subject to credit, income, and property eligibility. Not all borrowers will qualify. NMLS #249410

🏡 Think buying your first home is out of reach because of the upfront costs? Think again.Many first-time homebuyers are ...
07/16/2026

🏡 Think buying your first home is out of reach because of the upfront costs? Think again.

Many first-time homebuyers are surprised to learn they may qualify for down payment assistance that can help cover both your down payment and closing costs.

That means you could:
✅ Bring less cash to closing
✅ Stop renting sooner
✅ Start building equity in your own home

Every buyer's situation is different, but there are programs available that could make homeownership much more affordable than you think.

If you've been waiting because you thought you needed a huge down payment, let's see what options are available for you.

📩 Send me a message or comment HOME, and I'll help you explore your options.

Reg Gustin
Mortgage Guy360
Select Rate Mortgage
NMLS #249410

🏡 **What if this is the year you stop paying your landlord and start investing in yourself?**Many first-time buyers beli...
07/09/2026

🏡 **What if this is the year you stop paying your landlord and start investing in yourself?**

Many first-time buyers believe they need a huge down payment or perfect finances before they can own a home. In reality, there may be programs available that make homeownership much more affordable.

The **Hoper Program** offers unique benefits that can help qualified buyers:

✅ Finance up to 120% of the home's purchase price
✅ Add solar with no out-of-pocket installation cost
✅ Potential to earn up to $13,000 through the Hope 4 Homeownership Savings Club after completing a short homeownership course
✅ Lower future energy costs while building equity in your own home

Every situation is different, but if you've been renting and wondering whether buying is finally within reach, let's have a conversation.

Click below to check your eligibility and see if the Hoper Program could be the right fit for you.

📲 MortgageGuy360.com

Reg Gustin
Mortgage Guy360 at Select Rate Mortgage
NMLS #249410

Equal Housing Opportunity.

💰 Think you need a huge down payment to buy a home?You might be surprised.Many Texas homebuyers qualify for down payment...
07/08/2026

💰 Think you need a huge down payment to buy a home?

You might be surprised.

Many Texas homebuyers qualify for down payment assistance that can significantly reduce the cash needed to purchase a home.

✅ Down payment assistance may be available
✅ Low down payment loan options
✅ Buy a home with less cash out of pocket than you may think

The first step is finding out what you qualify for—and it costs nothing to ask.

📩 Send me a message with the word HOME or comment HOME below, and I'll be happy to answer your questions.

Reg Gustin
Loan Officer | Select Rate Mortgage
NMLS #249410

Equal Housing Opportunity

🏡 **Buying your first home? Start here.**The first step isn't finding the perfect house—it's getting pre-approved.Knowin...
07/02/2026

🏡 **Buying your first home? Start here.**

The first step isn't finding the perfect house—it's getting pre-approved.

Knowing your budget gives you confidence, strengthens your offer, and helps you shop smarter.

Have questions about buying your first home? Drop them below or send us a message. We'd love to help!

🏡 **Your first home may be closer than you think.**Many Texas homebuyers are surprised to learn that down payment assist...
06/29/2026

🏡 **Your first home may be closer than you think.**

Many Texas homebuyers are surprised to learn that down payment assistance programs may be available to help reduce the cash needed to purchase a home.

Whether you're buying in **Odessa-Midland, Dallas-Fort Worth, or Houston**, we're here to help you explore your options and determine which programs may be the best fit for you.

✅ Down Payment Assistance Available for Qualified Buyers
✅ Fixed-Rate Mortgage Options
✅ Local Texas Mortgage Experts

Click the link in our bio to learn more and see if you may qualify.

Equal Housing Opportunity.

Address

10150 Centennial Pkwy, Suite 120
Sandy, UT
84070

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