Richard Smith: Guild Mortgage

03/31/2023

Annual percentage rates and interest rates are like the weather. They change daily and are different depending on your situation. That's why rates published online are never accurate to what your actual rate will be, and the rate available today may not be available tomorrow. The difference? Your loan officer has a better handle on your interest rate and APR than the meteorologist does the rain. Working with a professional makes all the difference.

03/24/2023

There's a lot of talk about affordability these days. At Guild, we're proactively seeking ways to improve access to homeownership with loan programs not found anywhere else, enough to fill a book with them. Find your options in affordable financing: https://www.flipsnack.com/guildmortgageco/affordable-financing/full-view.html

03/22/2023

03/08/2023

Since Guild is both local and coast to coast, we have collaborated with state, county and municipal down payment assistance programs as well as national programs that can help first-time homebuyers with their down payment or closing costs. Want to learn more? Let's talk!

02/24/2023

Affordable homeownership has never looked better. Modern manufactured home trends, including CrossModsTM , have many customizable options and add-on’s available for amazing curb appeal and aesthetics to fit in any neighborhood. Learn more! https://www.guildmortgage.com/mortgage-loans/manufactured-home-loan

02/16/2023

Saving up for home improvements? Upgrade your home now with a renovation loan. With one single purchase or refinance transaction, you can distribute renovation costs over the life of the loan and remodel now. Want to learn more? Talk with a renovation specialist today. https://www.guildmortgage.com/mortgage-loans/renovation-loans

02/08/2023

News Alert! 🚨

Guild Mortgage increased its Southwest presence with the acquisition of Legacy Mortgage, an independent New Mexico-based lender, adding 13 branches.

12/14/2022

💳 Credit scores are like a financial resume - they help lenders better understand your experience with credit.

📈 Higher scores = more reliable, less risk
📉 Lower scores = less reliable, more risk (or, sometimes...there’s just not enough information to know)

Here’s what kinds of information credit reporting agencies use to calculate your score:

📌Length of credit history
-How deep is your experience with credit? The longer the better.

📌Payment history
-Do you make your payments on time? Lenders love that.

📌Percent of credit used
-How much have you already used? Lower usage = more room for your mortgage payment

📌New credit
-How many new accounts have you opened? Are you able to take on more debt?

📌Types of credit
-Just like your credit history, different types of credit reflect more experience. This means credit cards, loans, mortgages, etc.

Remember – building your credit score is a marathon, not a race. If you keep these tips top of mind, we'll help you get your mortgage to the finish line 😉

12/07/2022

Celebrate the holiday season with 3-2-1 Home Plus. With as little as 3% down, first-time homebuyers can receive a $2,000 eGift card to The Home Depot® plus $1,000 to $2,500 towards your down payment and/or closing costs. Let’s get you home for the holidays with 3-2-1 Home Plus! https://www.guildmortgage.com/mortgage-loans/3-2-1-home-plus-program

12/02/2022

It's , and we believe in the power of technology to make your life easier. That's why our online application lets you submit documents, receive updates, and get pre-approved all from the comfort of your own home. Get up to speed with the latest tech and check out our online application today! www.guildmortgage.com/richardsmith

11/22/2022

In case you missed it: this September, David Battany, Guild Mortgage Vice President of Capital Markets, testified before the Senate Banking Subcommittee on Housing, Transportation and Community Development for a hearing titled "Examining the U.S. Department of Agriculture’s Rural Housing Service: Stakeholder Perspectives."

The United States Department of Agriculture (USDA) established its Single-Family Housing Guaranteed ...

09/01/2022

Guild Mortgage now has a great solution for people with an Individual Tax Identification Number (ITIN) looking to buy with as little as 20% down payment. Reach out to me today to start the homebuying process.