Andy Scott - Senior Loan Officer

Andy Scott - Senior Loan Officer Residential real estate mortgage loan originator. Thank you for visiting my website. I'm looking forward to working with and for you.

My Team and Myself look forward to serving your residential lending needs, and I take great pride in my ability to provide excellent customer service and knowledge of loan products. My Team has over two decades of combined mortgage lending experience and have closed in excess of 1100 loans during my career. My expertise in the industry covers an array of loan products including Conventional, VA, F

HA, USDA, Jumbo Loans, Super Jumbo Loans and various Down Payment Assistance Programs. In my pursuit of industry knowledge, I have also obtained my real estate broker's license. My team and I will work diligently with you to make your purchase or refinance as simple as possible, and I will strive to earn your referrals and future business. Please call me today or click on the "Apply Online" link to give me some basic information about yourself. Individual NMLS # 230325
Guild Mortgage Company
3050 Citrus Circle, Ste 210
Walnut Creek, CA 94598
Company NMLS #3274

Equal Housing Lender

Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

08/21/2024

The BLS (Bureau of Labor Statistics) came out today and reported that over the past year there were 818,000 less jobs created than reported. That’s 68,000 less jobs per month created. This creates further softening in the labor market and gives the Federal Reserve the signal that lowering rates is coming. We should see the first one in September, and the news is causing rates to drop! If you’ve purchased in the last 2 years, you will have an opportunity to refinance to a lower rate soon, and if your are thinking of buying, now is a great time. When rates drop, home values tend to rise. Get on the bandwagon and buy before prices go up further. I’m here to help you, give me a call and let’s discuss your scenario.

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? 🏠

12/29/2022

Which of these do you think you should avoid during the loan process? 🤷🏼‍♂️

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!

12/23/2022

While yes, you can use your VA benefit more than once, other options may actually work better for you. It's really about your situation. Let's chat. 😉

Consolidate your revolving credit card debt. Pay a lower monthly payment by refinancing your debt at a lower rate than y...
12/22/2022

Consolidate your revolving credit card debt. Pay a lower monthly payment by refinancing your debt at a lower rate than you’re currently paying without affecting your first mortgage. Click the link to learn about the Home Equity program: https://bddy.me/3WCbQB3

12/21/2022

It may feel like winter's already arrived, but today we can officially say it – it's wintertime!

Address

Walnut Creek, CA
94598

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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