3-2-1 Home Plus Program

Get closer to home with Guild’s 3-2-1 Home Plus program

If you’re a first-time homebuyer with low-to-moderate income, 3-2-1 Home Plus provides down payment flexibility to get you into a home now.

  • You bring a 3% down payment
  • We give you a $2,000 eGift Card to The Home Depot®*
  • Plus, $500 to $1,500 toward closing**
 Smiling couple laying on floor looking at blueprints

An additional advantage is that you can keep your options open and consider homes with minor repair or improvement needs. With 3-2-1 Home Plus, the $2,000 eGift card to The Home Depot® gives you peace of mind knowing you have extra resources to put toward minor repairs or improvements without tapping into your cash reserves.

Eligibility and requirements

  • Conventional financing with 3% down payment
  • First-time homebuyers only
  • Credit score as low as 620
  • Includes 1-unit single-family residences, condos, and manufactured homes
  • Pre-Purchase counseling is required***
  • Income limits apply

Questions? Let’s talk.

*In the state of NV, the consumer receives a $2,000 lender credit in lieu of a gift card. Payment subject to maximum allowable lender credit and minimum contribution requirements. Some loans require a minimum cash investment by the borrower, which may limit the amount of any lender credit or payment by Guild under the offer.

**Freddie Mac BorrowSmartSM down payment/closing cost assistance amounts of $1,500, $1,000 or $500 based on Area Median Income and other eligibility criteria. $1,000 assistance applies to manufactured homes.

***Pre-purchase counseling requires a $99 counseling fee.

Guild Mortgage is not affiliated with The Home Depot®. The Home Depot® is not a sponsor of this promotion. The Home Depot® is a registered trademark of Home Depot Product Authority, LLC. All rights reserved.

All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.

Interested in learning more? Take the first steps with our pre-qualification calculator.