Guild Mortgage blogs
How to calculate your refinance break-even point
How to calculate your refinance break-even point A lower mortgage rate or monthly payment can make refinancing sound like an easy decision. But before you move forward, there’s another number worth knowing: your refinance break-even [...]
What happens after paying off your mortgage? | Guild Mortgage
What happens after paying off your mortgage? Paying off your mortgage is a major financial milestone. Whether you've reached the end of your loan term or paid off your mortgage [...]
Self-Employment Income: How Is It Calculated? | Guild Mortgage
How Is Self-Employment Income Calculated for a Mortgage? Mortgage lenders generally calculate self-employment income by reviewing tax returns and other business records, identifying stable income available to the borrower and [...]
The mortgage FAQs Gen Z buyers are actually asking (and how to answer them)
The mortgage FAQs Gen Z buyers are actually asking (and how to answer them) Gen Z isn't avoiding homeownership. They're avoiding salespeople. Only 25% of respondents said they trust the mortgage industry, [...]
Understanding VA loan entitlement: How to use and restore your VA benefits
Understanding VA loan entitlement: How to use and restore your VA benefits One of the biggest misconceptions about VA loans is that you can only use your benefit once. Fortunately, that's [...]
The three-year homebuyer journey: Why buying and selling a home starts earlier than you think
The three-year homebuyer journey: Why buying and selling a home starts earlier than you think We’ve traditionally measured the homebuying journey in weeks: the time between an accepted offer and a closing [...]
What Gen Z’s Learning Habits Reveal About the Future of Homebuyer Education
What Gen Z's Learning Habits Reveal About the Future of Homebuyer Education For decades, homebuyer education followed a relatively predictable path. Prospective buyers connected with a lender or housing counselor, [...]
Am I ready to buy a home? Why so many first-time buyers think the answer is no.
Am I ready to buy a home? Why so many first-time buyers think the answer is no. There's one question that many prospective homebuyers ask themselves long before they ever speak with a [...]
Can Gen Z trust mortgage lenders? What the data tells us:
Can Gen Z trust mortgage lenders? What the data tells us: New research reveals a striking confidence gap between Gen Z and the mortgage industry — and it isn’t about rejection or [...]
First-time homebuyers aren’t just feeling priced out. They’re lost.
First-time homebuyers aren’t just feeling priced out. They’re lost. The conversation around first-time homebuyers almost always starts with affordability. And it should, 65% of Gen Z respondents in our YouGov research say home prices are [...]