The Mingham Team

The Mingham Team Guild Mortgage Co : NMLS 3274 . Pete Mingham NMLS 289586
Equal Housing Opportunity

NMLS ID #289586
I am authorized to do business in the states of California, Idaho, Nevada and Texas. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; NV Mortgage Company #1141

I have more than 25 years of experience working directly with the San Francisco Bay Area community, friends and family to help with their real estate

financing needs. In today's challenging housing market, I am someone you can trust to keep your personal information confidential and to put your needs first. A large part of my business comes from working with real estate and finance professionals to support their clients in receiving the highest level of service with the best loan rates and programs for their individual home finance needs. As an expert in Government (FHA/VA) and Conventional financing, I provide a confidential loan analysis catered to you. I am driven by a desire to help people and to develop lasting relationships that help create a life full of family, friends, fun, and hard work. I pride myself on being a trusted advisor to all of my clients and professional contacts, and I look forward to hearing from you!

01/13/2023

Our tip for - organizing your house is a lot more motivating when you own it! Ready to start the path to homeownership? Send us a message to get started 📩

Did you know that you can use your credit card rewards points that are redeemed for cash as a source of down payment on ...
01/11/2023

Did you know that you can use your credit card rewards points that are redeemed for cash as a source of down payment on a conventional loan? Reach out to us to learn more!

It’s great to have a mortgage partner you can lean on. Here’s what you can expect from us, from applying to closing: htt...
01/10/2023

It’s great to have a mortgage partner you can lean on. Here’s what you can expect from us, from applying to closing: https://bddy.me/3IDzcmg

01/06/2023

We're almost a full week into the new year, how are everyone's resolutions going?

We have expanded our Temporary Buydown program to offer borrower-paid buydowns on our conventional financing options, so...
01/04/2023

We have expanded our Temporary Buydown program to offer borrower-paid buydowns on our conventional financing options, so if you are getting a gift or want to use your own funds this can help pay to lower your payment for the first year by freeing up your cashflow. Want to learn more? Reach out to a Loan Officer today!

01/03/2023

Recently purchased a home? Property transfers are public information, so marketers will know this too - and you may find your mailbox stuffed with their advertisements. These can be cleverly disguised as legitimate pieces of mail, so you'll want to be able to recognize what's important, and what's just junk. Here's how you can tell the difference.

01/01/2023

Where do you want to be this time next year? If it's in a new home, we can help you get there 🎉🎉

12/31/2022

Watch the ball drop - don't drop the ball. If homeownership is on your list of New Year's resolutions, we can help you get started. What better time to start than the first day of the year? See you in 2023!

12/30/2022

Which is your dream home? 🏠

Struggling to sell? Guild Mortgage offers buydown options that utilize a seller credit to buy down the interest rate. Se...
12/28/2022

Struggling to sell? Guild Mortgage offers buydown options that utilize a seller credit to buy down the interest rate. Seller buydowns can help get your listing moving by making your listing more affordable without lowering the value. Questions? Talk to a loan officer today!

12/27/2022

💳 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 😉

From all of us here at Guild Mortgage, have a Holly Jolly Christmas. It's the best time of the year!
12/25/2022

From all of us here at Guild Mortgage, have a Holly Jolly Christmas. It's the best time of the year!

Address

3050 Citrus Cir, Ste 210
Walnut Creek, CA
94598

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