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Explained: The term escrow has multiple meanings

By Guild Mortgage|October 27th, 2021|Categories: Mortgage 101, Products and Programs|Tags: customer education, first time homebuyer, HOAs, homebuyers, loan process, mortgage, products, property taxes|

The term escrow has multiple meanings Have you ever driven by a home for sale in your neighborhood and noticed the realtor’s sign changed from [...]

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  • Couple relaxing on their couch

Guide to buying a house as an unmarried couple

By Guild Mortgage|October 14th, 2021|Categories: Mortgage 101|Tags: customer education, first time homebuyer, homebuyers|

Buying a home as an unmarried couple Do low interest rates have you wondering if now is the right time to buy? From building home [...]

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  • Laptop, cell phone, paper and pen on desk

What is Proof of Funds?

By Guild Mortgage|September 1st, 2021|Categories: Mortgage 101|Tags: customer education, first time homebuyer, homebuyers, loan process, mortgage|

What’s a Proof of Funds letter? Have you been asked to provide Proof of Funds but aren’t sure what funds qualify or where to get [...]

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  • Woman at desk typing on laptop

What does approved with conditions mean?

By Guild Mortgage|August 13th, 2021|Categories: Mortgage 101|Tags: customer education, first time homebuyer, homebuyers, loan process, mortgage|

Approved with conditions After mortgage pre-approval and contract acceptance, your loan is submitted to processing and underwriting. Before you get final approval, your loan [...]

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  • Young couple viewing home with realtor

Can you buy a house without a realtor?

By Guild Mortgage|July 28th, 2021|Categories: Mortgage 101|Tags: customer education, first time homebuyer, homebuyers|

Buying a home without a real estate agent While there’s no requirement to buy a home with a real estate agent, there are many benefits [...]

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  • Street view of yellow home in neighborhood

What is a restrictive covenant in real estate?

By Guild Mortgage|July 21st, 2021|Categories: Mortgage 101|Tags: customer education, first time homebuyer, HOAs, homebuyers|

HOA restrictive covenants Congratulations! After weeks of searching, you’ve found your ideal home. Before making an offer, it’s a good idea to check whether [...]

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  • Young smiling woman at desk looking at laptop

What do mortgage lenders look for on bank statements?

By Guild Mortgage|July 7th, 2021|Categories: Mortgage 101|Tags: customer education, first time homebuyer, homebuyers, loan process, mortgage|

What do mortgage lenders look for on bank statements? When applying for a mortgage, you’ll be asked to provide documentation proving employment, bank accounts, [...]

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  • Happy couple working on laptop

Can you get pre-approved for a mortgage online?

By Guild Mortgage|June 30th, 2021|Categories: Mortgage 101, Products and Programs|Tags: customer education, first time homebuyer, homebuyers, loan process, mortgage, products|

Can you get pre-approved for a mortgage online? From clothing to cars, you can shop for almost anything without leaving the comfort of your [...]

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  • Man at desk typing on laptop

What affects your mortgage application?

By Guild Mortgage|June 23rd, 2021|Categories: Mortgage 101, Products and Programs|Tags: customer education, first time homebuyer, homebuyers, loan process, mortgage, products|

What affects your mortgage application? Have you taken an exciting step towards homeownership by filling out an application for a home loan? When [...]

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  • Smiling couple sitting on couch reading on a tablet

What is a pre-approval letter?

By Guild Mortgage|June 16th, 2021|Categories: Mortgage 101|Tags: customer education, first time homebuyer, homebuyers, loan process, mortgage|

What's a pre-approval? Also known as a commitment to lend, a pre-approval is our promise to give you a loan based on certain terms [...]

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The blog postings on this site represent the positions, strategies or opinions of the author and do not necessarily represent the positions, strategies or opinions of Guild Mortgage Company or its affiliates. Each loan is subject to underwriter’s final approval. All information, loan programs, interest rates, terms and conditions are subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deductions.

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  • Buying a home
    • First-time homebuyer
    • Buying a second home
    • Fixed-rate mortgage
    • Adjustable-rate mortgage
    • 30 year mortgage
    • 15 year mortgage
    • Mortgage rates explained
      • Primary residence mortgage rates
      • Refinance rates
      • Second home mortgage rates
    • Mortgage blog – Mortgage 101
    • Find a loan officer
  • Refinance a mortgage
    • Mortgage refinance process
    • Rate-and-term refinance
    • Cash-out refinance
    • Mortgage blog – Refinance
    • Find a loan officer
  • Mortgage loans
    • 3-2-1 Home Plus Program
    • Bridge home loan
    • CashPass program
    • Complete Rate program
    • Conventional mortgage
    • Down payment assistance programs
    • Energy-efficient mortgage programs
    • FHA loan
    • GreenSmart Advantage Program
    • Home Equity Program
    • Homebuyer Protection
    • ITIN Mortgage Program
    • Jumbo loan
    • Lock & Shop
    • LockNow and Sell
    • Manufactured home loan
    • Payment Advantage
    • Renovation loan
    • Reverse mortgage loan
    • Section 184 Indian Home Loan Guarantee Program
    • Temporary Buydowns
    • USDA loan
    • VA loan
    • Zero Down
    • Mortgage blog – Products and programs
    • Find a loan officer
  • Mortgage calculators
    • Mortgage payment calculator
    • Mortgage affordability calculator
    • Mortgage income calculator
    • Closing cost calculator
    • Refinance calculator
    • Home sale calculator
    • Buying power calculator
    • Mortgage blog – Mortgage 101
    • Find a loan officer
  • About us
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Guild Mortgage Company; Equal Housing Opportunity; AZ BK #0018883; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; MA Mortgage Lender License #MC3274; MA Mortgage Broker License #MC3274; Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the N.J. Department of Banking and Insurance; NV Mortgage Company #1141; OR ML-176; Rhode Island Licensed Lender; Rhode Island Licensed Third-Party Loan Servicer; Company NMLS ID 3274. www.nmlsconsumeraccess.org/.

All loans subject to underwriter approval. Terms and conditions apply, subject to change without notice. Guild Mortgage Company is an Equal Opportunity Employer. Guild Mortgage Company 5887 Copley Drive, Floors 1, 3, 4, 5, 6, San Diego, CA 92111; For more licensing information, please visit www.guildmortgage.com/licensing.

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