Complete Rate

Complete Rate

We see our customers in so many unique situations from coast to coast* and want to create inclusive opportunities for homeownership. With Complete Rate powered by FormFree®, we’re helping our clients forge alternative paths to homeownership when they have no traditional credit score.

A family smiling at the dinner table.

The program analyzes consistent income deposits and payments, including rental payment history to provide a better interest rate to customers with no traditional credit score.

Homeownership is possible with our Complete Rate program.

  • Provides a complete picture of our customer’s financing situation for better pricing
  • Reviews income and debt through a bank statement analysis process
  • Financing options utilizing FHA, VA and USDA loans are available with down payments from zero to 3.5%
  • Primary purchase transactions only
  • Non-traditional credit must be established with rent history, utilities or car insurance payments to qualify

Complete Rate is providing a more complete picture of a customer’s creditworthiness, and potentially providing a lower interest rate to unlock the barriers to homeownership.

Available for first-time homebuyers. 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.

*Guild Mortgage is not licensed to do business in New York.

Ready to get started? Get an estimate of your mortgage payment with our mortgage payment calculator.