Guild Mortgage; Equal Housing Opportunity, NMLS #3274. All loans subject to underwriter approval; terms and conditions apply. Subject to change without notice. Visit the Guild website for full licensing information. Ryan Hall, 284082, I am authorized to do business in the state of Wisconsin. Guild Mortgage Company is a leading mortgage lender specializing in home loans. Our local, knowledgeable loan officers have been helping their neighbors buy a home since 1960 and can do the same for you.
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Ryan Hall NMLS# 284082. Guild Mortgage Company; Equal Housing Opportunity, Company NMLS #3274 (www.nmlsconsumeraccess.org). For more licensing information, please visit Licensing . All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
Get in touch to discover how you can make your dream of homeownership a reality. With a range of options from USDA and FHA loans to first-time homebuyer programs, I am here to guide you every step of the way.
A Conventional loan is a great option if you have
an average to high credit score and little debt.
This allows you to take advantage of lower
interest rates. With these types of loans, you can
decide what amount makes sense to you for a
down payment, to reduce your monthly
payments or pay less up front.
Conventional loans
If you’re looking to buy on a tight budget, these
loans are a great option. It’s easier to qualify for
FHA loans because they carry lower credit score
requirements and lower down payment options.
They’re also insured by the Federal Housing
Administration (FHA) and only issued by FHA
approved lenders.
FHA
USDA
Are you purchasing a rural property? A USDA
loan is a great fit! Enjoy lower interest rates with
no down payment. These loans are best suited
for homebuyers with moderate to low income
and offered to rural property owners through the
U.S. Department of Agriculture (USDA).
If you’re a member of the military or a veteran, a
VA loan can help you save money with no down
payment and lower closing costs. VA loans also
have lower interest rates, meaning you’ll save
money over the life of your loan. VA loans are
created and guaranteed by the Department of
Veterans Affairs (VA) specifically for eligible
veterans, service members and their spouses.
VA
Reverse Mortgage loan
If you’re retired or at least 62 years old and
looking to purchase or refinance to make the
most of your home investment, this may be a
good option for you. A reverse mortgage gives
you the choice to use the equity in your home to
supplement your retirement income.*
Lock and Shop
If you’re searching for your next home in a
competitive market, you can lock your loan and
start shopping. You don’t have to worry about
rates rising because we’ve got you covered for
120 days.** If rates go down, our one-time float
down option provides the perfect solution.
*Important information: At the end of the reverse loan term, some or all of the property’s equity won’t belong to the borrower, and they may need to sell or transfer the property to repay the proceeds of the reverse mortgage. Guild will add the applicable reverse mortgage origination fee, mortgage insurance premium, closing costs, or servicing fees to the balance of the loan which will grow, along with the interest, over time. Interest isn’t tax deductible until all or part of the loan is repaid. Failing to pay property taxes, insurance, and maintenance might subject the property to a tax lien, foreclosure, or other encumbrance since the borrower retains the title. Fixed-rate and adjustable-rate reverse mortgages are insured by the FHA. Fixed-rate loans are distributed in a single lump sum with no future draws. Adjustable-rate reverse mortgages offer five payment options and allow for future draws. The age of the youngest borrower determines the amount of funds that can be received with a reverse mortgage loan. The amount of funds that can be received during the first 12-month disbursement period is subject to an initial disbursement limit. These materials are not from HUD or FHA and were not approved by HUD or a government agency.
**Upfront lock-in fee required at the time of lock. conforming loan limits only