Phil Clark Guild Mortgage

11/01/2026

If you did any of these, congrats, you get a gold star.

If you're not sure where you stand on any of these, that's exactly what I'm here for. Send me a DM or call 817-247-1002 and we'll find out!

Guild Mortgage Company; Equal Housing Opportunity; NMLS #3274 (www.nmlsconsumeraccess.org). For more licensing information, visit guildmortgage.com/licensing. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

10/31/2026

Just a friendly reminder that buying a home doesn't have to feel like a haunted house of confusing paperwork and jump scare interest rates. Whether you're a first time buyer, self employed and tired of W2 only lenders, or ready to tap into your equity for that next renovation, I'm here to make the process feel a lot less spooky. Wishing you and yours a Happy Halloween from our house to yours.

If you've got questions about buying, refinancing, or what your numbers could actually look like, send me a DM!

Guild Mortgage Company; Equal Housing Opportunity; NMLS #3274 (www.nmlsconsumeraccess.org). For more licensing information, visit guildmortgage.com/licensing. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

10/30/2026

Renovations have a way of uncovering the history of a house. If you're planning one of your own in the DFW area, whether it's a kitchen, a full remodel, or an outdoor space, I can connect you with a solid contractor and help you look at financing options that make sense for your project.

Reach out anytime at 817-247-1002.

Guild Mortgage Company; Equal Housing Opportunity; NMLS #3274 (www.nmlsconsumeraccess.org). For more licensing information, visit guildmortgage.com/licensing. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

10/29/2026

One of the biggest myths I hear: "I'm self-employed, so I probably won't qualify." That's not always true. If you're curious about your options, reach out. Happy to help. 👍

Self-employed and think buying a home isn't in the cards for you right now? It is, and I don't want you believing otherwise just because your income doesn't look like a typical W-2 paycheck. Bank statement loans exist for borrowers just like you. Instead of tax returns, we look at 12 months of personal or business bank statements and qualify you based on gross acceptable deposits. If you're a business owner, freelancer, contractor, or any kind of 1099 professional, this program was built with you in mind.

A lot of self-employed buyers assume they have to wait until their tax returns "look better" to qualify for a mortgage. That's not always true, and I'd rather tell you that now than have you sit on the sidelines for another year wondering.

If you're self-employed and want to know what you'd actually qualify for, send me a DM. I'll walk you through it step by step, so you know exactly where you stand.

10/29/2026

Let's clear up one of the biggest myths stopping people from buying a home: you do not need 20% down. That number gets thrown around so much it starts to feel like a rule, but it's not. There are loan programs built for buyers putting down way less, and plenty of first time buyers in the Fort Worth area are closing with a fraction of that. If the down payment math has been the thing keeping you on the sidelines, let's actually look at your numbers instead of guessing. Send me a DM and we'll figure out what you really qualify for.

Guild Mortgage Company; Equal Housing Opportunity; NMLS #3274 (www.nmlsconsumeraccess.org). For more licensing information, visit guildmortgage.com/licensing. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

10/28/2026

Reverse mortgage. Say it without flinching, because it's not the trap people think it is.

Think of it as a flex payment option. If you or a family member want to stay put in the home but could use more breathing room, this could cover property taxes, homeowner's insurance, pay off other debts, fund that family vacation you keep putting off, or even eliminate your monthly mortgage payment altogether.

If any of that got your attention, let's talk through your specific situation and see if it makes sense for you. Call me anytime at 817-247-1002.

Guild Mortgage Company; Equal Housing Opportunity; NMLS #3274 (www.nmlsconsumeraccess.org). For more licensing information, visit guildmortgage.com/licensing. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

10/27/2026

Kitchen remodel, part 2. Drywall's up, mud's drying, and the crew is cranking through it.

If you're eyeing a part of your home that needs work, DM me and let's talk about what financing options could make that renovation possible.

Guild Mortgage Company; Equal Housing Opportunity; NMLS #3274 (www.nmlsconsumeraccess.org). For more licensing information, visit guildmortgage.com/licensing. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

10/26/2026

If you've been holding out for a 3% rate, I need you to hear this. Mortgages at 6% now outnumber the ones still locked in below 3%. That shift has been years in the making, and it tells you something important: the "wait for rates to crash back down" plan isn't a plan anymore, it's a stall tactic.

Rates move. Home prices historically don't move backward the same way. The buyers who get ahead are the ones who stop waiting for a number that may not come back and start building a strategy around today's market instead.

If you're wondering what that actually looks like for your situation, send me a DM and let's run real numbers together, no pressure, no judgment.

Guild Mortgage Company; Equal Housing Opportunity; NMLS #3274 (www.nmlsconsumeraccess.org). For more licensing information, visit guildmortgage.com/licensing. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

10/26/2026

Every month you pay rent, that money is gone. Every month you pay a mortgage, some of it comes back to you in equity.

That's not the whole story though. Renting gives you flexibility. Buying ties you to a market and a location. Neither answer is universally right, it depends on where you are in life and what you're trying to build toward.

If you're on the fence, let's talk through your specific goals and timeline. I can show you real numbers instead of general rules of thumb, so you can actually see what makes sense for you.

Send me a DM and let's figure out your next move.

Guild Mortgage Company; Equal Housing Opportunity; NMLS #3274 (www.nmlsconsumeraccess.org). For more licensing information, visit guildmortgage.com/licensing. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.