Evelyn Ritchie - Guild Mortgage - NMLS #518630

Evelyn Ritchie - Guild Mortgage - NMLS #518630 Lamar Blvd., Suite 201, Austin, Texas 78705; TEL: 1-877-276-5550. Information and forms are available on SML's website: www.sml.texas.gov.

Mortgage Loan Officer | Creative Solutions for First-Time Buyers, New Construction, Doctor Loans & More | Licensed in TX,CO,FL,IL,IN,LA,MI,MN,NC,OH,OK,TN | Guild Mortgage Company, NMLS #3274 | Equal Housing Opportunity 🏡 Mortgage Loan Officer | First-Time Homebuyer Specialist | Licensed in 14 States

I help individuals and families navigate the mortgage process with clarity and confidence because

buying a home should be exciting, not overwhelming. Specialized Loan Programs:

✅First-Time Homebuyer Loans – Guiding you through every step of your homeownership journey
✅New Construction Financing – Solutions for builder turndowns and new build purchases
✅Doctor Loans – Specialized financing for medical professionals
✅Down Payment Assistance (DPA) – Helping you access available funds to make homeownership possible
✅Non-QM Loans – Creative solutions for self-employed buyers and unique financial situations
✅FHA Loans – Low down payment options with flexible qualification requirements

Licensed in: Texas, Colorado, Florida, Illinois, Indiana, Louisiana, Michigan, Minnesota, North Carolina, Ohio, Oklahoma, and Tennessee

With expertise across multiple states and loan programs, I provide personalized service, competitive rates, and clear communication throughout your home financing experience. Whether you're a first-time buyer, building new construction, or have a complex financial profile, I'm committed to finding the right mortgage solution for your goals.

📩 Ready to explore your options? Send me a message or visit my website to get started.

📧[email protected]
📱254-718-4624

Texas Residents: consumers wishing to file a complaint against a mortgage company or residential mortgage loan originator licensed in Texas should send a complete complaint form to the department of savings and mortgage lending (SML): 2601 N. Guild Mortgage Company; Equal Housing Opportunity; AZ BK #0018883; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; MA Mortgage Lender License ; MA Mortgage Broker License ; Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the N.J. Department of Banking and Insurance; NV Mortgage Company #1141; OR ML-176; Rhode Island Licensed Lender; Rhode Island Licensed Third-Party Loan Servicer; Company NMLS ID 3274. For licensing information, go to: www.nmlsconsumeraccess.org/. All loans subject to underwriter approval. Terms and conditions apply, subject to change without notice. Guild Mortgage Company is an Equal Opportunity Employer. Guild Mortgage Company 5887 Copley Drive, Floors 1, 3, 4, 5, 6, San Diego, CA 92111; For more licensing information, please visit www.guildmortgage.com/licensing.

Reverse mortgages have a bad reputation from like 20 years ago and honestly, it's outdated. The programs have changed a ...
09/01/2026

Reverse mortgages have a bad reputation from like 20 years ago and honestly, it's outdated. The programs have changed a lot, the guardrails are stronger, and for a lot of homeowners 62+ they're one of the smartest ways to tap home equity without giving up ownership of the house.

I've had clients use them to buy their next home outright with no monthly mortgage payment, cover healthcare costs in retirement, or just stop stressing about a fixed income stretching far enough. It's not the scary "bank takes your house" thing people picture. It's a financial tool, and like any tool, it works when it's used the right way for the right person.

If you're in Dallas or anywhere in Texas and you've written this off without actually knowing how it works now, I'd love to walk you through it. Just ask me how.

The biggest one? Talking to a loan officer before you start house hunting. It changes everything about how you shop, wha...
08/31/2026

The biggest one? Talking to a loan officer before you start house hunting. It changes everything about how you shop, what you offer, and how stressed you are during the process.

If you're thinking about buying a home in DFW this year, let's talk before you fall in love with a listing. I promise the questions you think are "dumb" are the ones I get asked daily.

Ask me how 😊

Dallas-Fort Worth homebuyers, real talk: no question is too dumb, and no scenario is too weird. Ask me how.
08/30/2026

Dallas-Fort Worth homebuyers, real talk: no question is too dumb, and no scenario is too weird. Ask me how.

Building wealth through real estate takes the right financing behind it. If you're a Dallas-Fort Worth investor weighing...
08/29/2026

Building wealth through real estate takes the right financing behind it. If you're a Dallas-Fort Worth investor weighing your next move, let's talk through what actually fits your strategy. No 800 number, no chatbot, just me.

Ask me how.

Every single week someone tells me they're not even looking at houses yet because they think they need 20% down saved up...
08/28/2026

Every single week someone tells me they're not even looking at houses yet because they think they need 20% down saved up.

Nope. Not even close for most people.

Conventional loans can go as low as 3% down. FHA loans start around 3.5%. VA and USDA loans can mean zero down if you qualify. The 20% number only really matters if you're trying to skip mortgage insurance, and even then, that's a choice, not a rule.

So if the down payment math is what's been holding you back from even starting the conversation, let's actually run your numbers instead of guessing. It's usually a lot less scary than the internet makes it sound.

Ask me how.

08/28/2026

Recent Treasury actions are designed to calm the bond market and support lower borrowing costs, but global uncertainty and inflation concerns continue to create challenges. So what's next for buyers?

08/25/2026

I could talk about interest rates and loan options all day, every day, and honestly? I probably will. If you're a Dallas homebuyer trying to make sense of the mortgage process, this is your sign that you found the right obsessive.

Send me your "is this a dumb question" mortgage questions. I promise it's okay to ask me how this all works!

08/24/2026

"It's impossible" turns into "let's do it" faster than you'd think.

That's usually the whole story with buying a home. The fear shows up first. Then you get one piece of good news, one number that finally makes sense, one lender who tells you the truth about your options, and suddenly the door that felt locked just... opens.

If you're a first-time homebuyer in Dallas convinced you can't qualify, or a self-employed buyer who assumes non-traditional income disqualifies you, let's talk before you count yourself out. Getting pre-approved for a mortgage is usually a lot closer than it feels from the outside.

What's the "impossible" thing standing between you and your next home? Tell me and let's figure out if it's actually true.

08/23/2026

I get it, browsing homes is the fun part. But walking into your home search without knowing your budget is like grocery shopping while starving with no list. You'll fall in love with something you can't afford, or worse, miss out on the one you can because you weren't ready to move fast.

Getting pre-approved for a mortgage tells you exactly what you can borrow, strengthens your offer in a competitive market, and turns "just looking" into "ready to buy." It's the first real step in the home buying process, before the open houses, before the Pinterest boards, before any of it.

Ready to get pre-approved and search with confidence? Send me a message and let's get your numbers locked in.

Address

1560 E Southlake Boulevard Ste 100
Southlake, TX
76092

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+16822236214

Website

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