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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
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    • Find a loan officer
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  • Woman reviewing credit report for mortgage pre-approval with laptop and calculator

Does mortgage pre-approval affect your credit score?

By Guild Mortgage|March 17th, 2021|Categories: Mortgage 101, Products and Programs|Tags: credit score, customer education, first time homebuyer, homebuyers, loan process, mortgage, products|

Does mortgage pre-approval affect your credit score? By never missing a payment and lowering your debt, you’ve taken the necessary steps to build a [...]

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  • Couple sitting on couch reading on a tablet about refinancing

How soon can you refinance a mortgage?

By Guild Mortgage|March 10th, 2021|Categories: Mortgage 101, Products and Programs, Refinance|Tags: customer education, homebuyers, loan process, mortgage, products|

How soon can you refinance a mortgage? Whether you’re a first-time homeowner or have done it all before, buying a new home is an exciting [...]

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  • Smiling couple looking at new home

How to: Selling and buying a home at the same time

By Guild Mortgage|March 3rd, 2021|Categories: Mortgage 101, Products and Programs|Tags: customer education, first time homebuyer, homebuyers, loan process, mortgage, products|

How to: Selling and buying a home at the same time Do you own a home but are looking to relocate to a [...]

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  • Overhead view of man and woman in branch office reviewing underwriting documents

What’s underwriting in the mortgage process?

By Guild Mortgage|February 17th, 2021|Categories: Mortgage 101, Products and Programs|Tags: customer education, first time homebuyer, homebuyers, loan process, mortgage, products|

What's underwriting in the mortgage process? "Clear to close" may be the most popular three words of the homebuying journey. That's what you're waiting to [...]

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  • Calculator and pen on yellow background

What are closing costs?

By Guild Mortgage|February 10th, 2021|Categories: Mortgage 101, Products and Programs|Tags: customer education, first time homebuyer, homebuyers, loan process, mortgage, products|

What are closing costs? Closing on a new home is the last step in the mortgage loan process. With closing finalized, you’ll be handed the [...]

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  • Smiling man at home looking at loan options on smartphone

Top 3 questions about buying a home with no money down

By Guild Mortgage|February 3rd, 2021|Categories: Mortgage 101, Products and Programs|Tags: customer education, first time homebuyer, homebuyers, loan process, mortgage, products|

Top 3 questions about buying a home with no money down Homeownership is possible, even without a down payment. If you’re wondering if buying a [...]

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  • Young smiling woman looking at loan options on laptop while talking on phone

How to get pre-approved for a mortgage

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

How to get pre-approved for a mortgage Home shopping without a solid pre-approval is like taking a test without studying. Pre-approval gives you confidence in [...]

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  • Couple discussing options with loan officer

Conventional loans versus FHA loans

By Guild Mortgage|January 6th, 2021|Categories: Mortgage 101, Products and Programs|Tags: customer education, first time homebuyer, homebuyers, loan process, mortgage, products|

Conventional loans versus FHA loans Whether you’re considering refinancing your existing home or purchasing a new one, comparing loans side by side can help [...]

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  • Couple looking at home options together on phone in their kitchen

How to buy a condo

By Guild Mortgage|December 30th, 2020|Categories: Mortgage 101, Products and Programs|Tags: customer education, first time homebuyer, homebuyers, loan process, mortgage, products|

How to buy a condo If you’re considering taking advantage of low mortgage rates and becoming a homeowner, deciding what kind of home [...]

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  • Street view of houses in neighborhood

What is an HOA? A beginner’s guide to homeowners associations

By Guild Mortgage|December 23rd, 2020|Categories: Mortgage 101, Products and Programs|Tags: customer education, first time homebuyer, homebuyers, loan process, mortgage, products|

What is an HOA? A beginner's guide to homeowners associations Are you considering buying a home in a community with an HOA? According to HOA-USA, [...]

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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
    • History
    • Leadership
      • Corporate
      • Production
    • Giving back
    • Guild careers
      • Current openings
      • GuildU
      • For loan officers
    • Business partners
      • Builders
      • Real estate agents
      • Title agents
      • Correspondent
    • News
      • Press releases
      • Financial press releases
      • Guild in the news
      • Press resources
    • Investor relations
    • Mortgage blog
    • Find a loan officer
  • Help center
    • Payment questions
    • Hardship assistance
    • Loan payoffs
    • Mortgage FAQs
    • Escrow
    • COVID-19 information
    • Natural Disaster: Helpful resources
    • Mortgage blog
    • Find a loan officer
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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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