The Rice Combs Team at Guild Mortgage

The Rice Combs Team at Guild Mortgage We are dedicated to the highest level of customer service in the mortgage industry. guildmortgage.com/licensing

Senior Loan Officer | Guild Mortgage Company
Individual LO NMLS #308387
Company NMLS #3274
I am authorized to do business in the states of California and Nevada. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; NV Broker #1141; NV Banker #1076; Guild Mortgage Company is an Equal Housing Lender
(www.nmlsconsumeraccess.org/).

Waiting for a better rate sounds like a strategy.Sometimes it is.But there’s another side of the equation buyers forget:...
09/02/2026

Waiting for a better rate sounds like a strategy.

Sometimes it is.

But there’s another side of the equation buyers forget: if rates improve enough to bring you back into the market, they’re probably bringing a whole lot of other buyers back with you.

That can mean more competition, fewer seller concessions and less negotiating power.

We’re not saying buy now because rates might change.

We’re saying run the numbers now so you know what would actually make buying worth it for you.

Maybe that’s a certain payment.
Maybe it’s a seller credit.
Maybe it’s finding the right house at the right price.

The goal isn’t to perfectly time the market.

It’s to recognize when the opportunity in front of you makes sense.

The Rice Combs Team | Guild Mortgage

Everyone needs friends who will tell them the truth.Apparently, you also need mortgage lenders who will. 😂Yes, we want y...
09/02/2026

Everyone needs friends who will tell them the truth.

Apparently, you also need mortgage lenders who will. 😂

Yes, we want you to buy the house.

But not if the payment is going to make you miserable.

Not if draining your savings is the only way to make it happen.

Not if waiting six months could put you in a much better position.

And definitely not just because you technically qualify for it.

We’ll celebrate the good ones, run every reasonable option when the numbers are close, and occasionally be the friends who say:

“Yeahhhh… we wouldn’t do that.”

Because getting you approved is only part of our job.

Helping you make a decision you’ll still feel good about after the excitement wears off matters more.

Your mortgage besties are here. 💜

The Rice Combs Team | Guild Mortgage

There are a lot of places you can get a mortgage.But when you’re writing an offer at 6:47 on a Friday night, the more im...
08/31/2026

There are a lot of places you can get a mortgage.

But when you’re writing an offer at 6:47 on a Friday night, the more important question might be:

Can you actually reach your lender?

We work in the markets our clients are buying in. We know the agents. We understand the weird properties. And when something needs to be figured out, you’re talking to actual humans who know your loan—not starting over with whoever answers the phone.

That matters before the offer.

It matters during escrow.

And it really matters when something unexpected pops up three days before closing.

Local lending isn’t just about where our office is.

It’s about being accessible when the transaction actually needs us.

The Rice Combs Team | Guild Mortgage

08/30/2026

One of our favorite calls from agents starts with:

“Okay… I have a weird one.”

Perfect. Call us.

Maybe the property is unusual.
Maybe the borrower doesn’t fit neatly into the conventional box.
Maybe the payment is almost there.
Maybe there’s an income source nobody knows whether we can use.

Before we cross a house—or a buyer—off the list, let’s see if there’s another way to structure it.

Conventional, government, Non-QM, investor financing… sometimes the solution is simply knowing which question to ask.

We’d rather spend 10 minutes looking for a solution than have you lose a transaction that could have worked.

Rice Combs Team | Guild Mortgage

This one? Probably safe. 😂But seriously — getting preapproved doesn’t mean your finances are frozen in place until closi...
08/29/2026

This one? Probably safe. 😂

But seriously — getting preapproved doesn’t mean your finances are frozen in place until closing.

While you’re shopping for a home, things like financing new furniture, buying a car, opening a credit card, changing jobs, moving large amounts of money around, or making a big purchase can affect your loan.

Does that mean you have to stop living your life?

No.

It just means ask us before you do something big financially.

Sometimes the answer is, “Totally fine.”

Sometimes it’s, “Please wait until after closing.”

And occasionally it’s, “You can do it, but let’s talk about it first.”

We would much rather get the text BEFORE the purchase than discover your brand-new furniture set while we’re trying to get your loan cleared to close.

So shop for the house.

Maybe just stick to questionable 70s vintage couches until you get the keys. ✌️

— The Rice Combs Team | Guild Mortgage

08/28/2026

One of the most common surprises for homebuyers is realizing that the amount they’re putting down and the amount they actually need to bring to closing are two different numbers.

Your cash to close can include your down payment plus things like closing costs, prepaid homeowners insurance, property taxes and other items associated with setting up the loan.

The good news?

This shouldn’t be a surprise at the finish line.

When we’re helping you plan for a purchase, we want to talk about more than:

“How much house can I qualify for?”

We also want to know:

“How much money do I actually want to use to buy it?”

Those are very different questions — and the second one can be just as important.

Buying at the top of your qualification while draining your savings isn’t automatically a win.

We’d rather help you build a plan that still feels good after you get the keys.

— The Rice Combs Team

08/27/2026

We promise, you are not bothering us.

In fact, these are some of our favorite conversations.

We don’t expect you to understand mortgage guidelines, know whether a rate is good, or magically know how much of your savings you should put into a house.

Ask us the awkward questions.

Ask us to explain it again.

Ask us why we’re recommending one option over another.

Ask us if we think the numbers make sense.

A good mortgage decision shouldn’t require you to blindly trust your lender.

You should understand what you’re doing and why you’re doing it.

That’s a big part of our job.

— The Rice Combs Team

There is absolutely nothing wrong with waiting to buy a house.But if your plan is to wait until:rates are perfect,prices...
08/26/2026

There is absolutely nothing wrong with waiting to buy a house.

But if your plan is to wait until:

rates are perfect,
prices are perfect,
you have the perfect down payment,
the market makes perfect sense,
and you feel 100% ready…

we may be waiting awhile.

You don’t need perfect conditions.

You need to know your numbers, your options, and whether buying makes sense for your life right now.

Sometimes we run the numbers and the answer is: buy the house.

Sometimes it’s: wait.

Either answer is fine with us.

We just don’t want “I assumed I couldn’t” making the decision for you.

— The Rice Combs Team

08/24/2026

One of the best parts of being self-employed?

Building a life that doesn’t always fit neatly into the traditional 9–5.

Maybe that means working from anywhere. Taking the trip. Spending a random Tuesday in Yosemite. Or simply having more control over your time.

But when it comes to getting a mortgage, that same nontraditional career can sometimes make things a little more complicated.

Traditional financing may absolutely work, but if your tax returns don’t tell the full story of your business, there may be other ways to look at your income too.

Bank statements. Investment property cash flow. 1099s.

You built your business differently on purpose.

Sometimes we just need to build your mortgage differently, too.

— The Rice Combs Team 💜💛

School’s back. Crowds are thinning. Locals’ summer has entered the chat. ☀️And if spending another September in Tahoe ha...
08/22/2026

School’s back. Crowds are thinning. Locals’ summer has entered the chat. ☀️

And if spending another September in Tahoe has you thinking, “Maybe I should just live here…” you know who to call. 🏡

Address

11050 Pioneer Trl
Truckee, CA
96161

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+15305829991

Website

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