The McElyea Team - Guild Mortgage

09/25/2026

Rates are going up. It sucks.

But here’s something I tell clients every day:

There’s no right or wrong time to buy a home. The right time is when it’s right for you.

For some people, that means waiting.

For others, this market is full of opportunities.

A few years ago, buyers were offering over asking, waiving inspections, covering all the closing costs, and practically naming their first child after the seller just to get a contract accepted. 😂

Today? Buyers have leverage.

I have a client closing next week and they are buying a house for the grand total of $190.56!

Not because rates are low.

Because the right strategy, loan structure, and negotiations can create opportunities that didn’t exist when rates were 3%.

Don’t let the headlines make your decision for you. Let’s figure out what makes sense for YOUR situation. 🏡

09/11/2026

Are mortgage rates coming down soon?

Maybe. Maybe not. But waiting on the market to give you the perfect answer usually is not much of a strategy.

Just this week, I’ve locked clients as low as 4.875% and as high as 7.125%.

Same week. Very different loan structures.

That is because the rate depends on more than just “where the market is.” Loan program, seller credits, points, down payment, credit, and overall goals all play a part.

Most forecasts still expect rates to stay somewhat elevated in the near term, with plenty of movement along the way.

So instead of trying to time the market perfectly, I’d rather look at the options in front of you and figure out what actually makes sense.

Sometimes that means buying the rate down.
Sometimes it means keeping the cash.
Sometimes it means waiting.

It just depends on the plan!

09/10/2026

The reviews don’t lie… 👀⭐️⭐️⭐️⭐️⭐️

One of my favorite parts of this business is getting to help people through a process that can feel overwhelming and make it feel a whole lot simpler along the way.

Every closing is different. Every buyer has a different story. But the goal is always the same: take great care of people and make sure they feel confident from start to finish.

Really grateful for every family who has trusted me and my team with such a huge part of their lives. 🙌🏼

If buying a home is on your radar, I’d love the opportunity to earn your 5-star review next. 🏡

09/08/2026

$2,200 BACK at closing 👀🏡

And this isn’t a one-off. My team and I help buyers structure deals with little to no money out of pocket every single month.

If cash to close is what’s holding you back, you may be closer than you think.

Come learn how at our Homebuyer Blueprint on September 19th.

DM me “BLUEPRINT” for the details.

08/19/2026

VA loans get a bad rap sometimes.

A lot of people assume they are slow, complicated, or harder to get to the finish line.

That has not been my experience.

VA loans are one of the strongest financing options available to eligible veterans and service members, and with the right preparation, they can move quickly.

Here is a real timeline from one of my current clients:

8/3: Found me through ChatGPT
8/4: Application completed
8/5: Offer accepted
8/6: Contract received
8/7: Appraisal ordered
8/11: Submitted to underwriting
8/14: Appraisal received
8/19: CLEAR TO CLOSE

Now we wait for the scheduled closing on 8/28.

That is 16 days from application to clear to close.

If you are VA eligible and someone has told you VA financing is too difficult or takes too long, do not write it off.

Sometimes the issue is not the loan program. It is how the loan is being handled.

With the right game plan, communication, and team in place, VA loans can be an incredibly powerful option.

07/30/2026

"I'll never be able to save enough money to buy a house."

If I had a dollar for every time I've heard that, I'd probably be retired. 😅

And honestly... I get it.

Between rent, groceries, childcare, car payments, and just trying to keep up with life, saving tens of thousands of dollars for a down payment can feel impossible.

But here's what many Texans don't realize...

You may not have to do it alone.

I'm excited to share that I've been recognized by the Texas State Affordable Housing Corporation (TSAHC) as a Preferred Loan Officer for 2026!

TSAHC is a nonprofit organization created to help eligible Texans achieve homeownership by offering down payment assistance and other valuable homebuyer resources.

Over the years, we've had the privilege of helping families who thought buying a home was years away. In many cases, the biggest obstacle wasn't qualifying for the mortgage...

It was coming up with the cash to close.

Programs like TSAHC have helped many of those buyers overcome that hurdle and move into a home sooner than they ever thought possible.

Now, to be clear... these programs aren't available to everyone, and every situation is different. But if you've been putting off buying because you thought you needed a huge amount of cash upfront, it may be worth having a conversation before counting yourself out.

That's why we created our Homebuying Blueprint.

No pressure. No sales pitch.

Just a personalized game plan that shows you:
• Where you stand today
• What programs you may qualify for
• How much cash you may actually need
• The fastest path to becoming a homeowner

You don't have to wonder if buying a home is possible.

Let's build a plan and find out.

If you've been waiting because of the upfront costs, comment "BLUEPRINT" below or send me a message. I'd love to help you explore your options.

04/29/2026

There’s nothing better than helping great clients achieve their dream of homeownership 🙌

Huge thank you to Candice for trusting me through such an important milestone! It truly means a lot to be part of the journey and to help make the process feel clear, smooth, and stress-free.

Helping my clients feel confident every step of the way is always the goal—and I’m grateful for the opportunity to do that every day.

If you or someone you know is thinking about buying a home, I’d love to help make the process just as seamless!

04/19/2026

5.0 star review received on Experience.com for Patrick Mcelyea by Bill S - The Guild team is the BEST! I have used them for my transactions for more than 10 years. My clients love them.
Bill Sabino RE/MAX Premier

Click to see all 196 reviews of Guild Mortgage - Patrick McElyea, Senior Loan Officer | NMLS # 1950328

04/15/2026

5.0 star review received on Experience.com for Patrick Mcelyea by Lisa D - Patrick was a wonderful load officer! He made the process very smooth for us as first time homebuyers. We are grateful for Patrick helping us better understand the loan process and ensuring we got the best rate possible.

Click to see all 195 reviews of Guild Mortgage - Patrick McElyea, Senior Loan Officer | NMLS # 1950328

04/10/2026

5.0 star review received on Experience.com for Patrick Mcelyea by Jodie M - Patrick took excellent care of my client and even found her a great program that gave her a lower interest rate and other benefits. He is personable and knows what he is doing. Highly recommend!

Click to see all 194 reviews of Guild Mortgage - Patrick McElyea, Senior Loan Officer | NMLS # 1950328