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.
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.