Unison HomeBuyer

Double your down payment! Get into the home you really want, with Unison HomeBuyer. For homebuyers in Arizona, California, Colorado, Florida, Georgia, Illinois, Michigan, Minnesota, Missouri, Nevada, North Carolina, Oregon, Virginia and Washington state, this innovative equity sharing program can double your down payment - regardless of income. Unison HomeBuyer is not a grant or a [...]

Down payment assistance programs

Saving for a down payment is often the hardest part in the homebuying process. But it doesn’t have to be. Since our inception, Guild has been a prominent advocate of affordable lending. We have a rich network of relationship with counties across the nation to provide more than 500 down payment assistance programs. Down payment [...]

Looking for Other Options?

That's what we’re here for. We have hundreds of loan options and first-time home buyer programs. Our loan experts are happy to discuss your situation, and open doors to new possibilities. Contact our Express Lending team directly, or find a branch near you: 1-800-283-8823 (Mon-Fri 8:30 am – 6:00 pm PT)

Conforming Loans

Enjoy great terms and more options A conforming loan is a non-government loan that is guaranteed by Fannie Mae and Freddie Mac, which are publicly-traded, government-sponsored enterprises. This guarantee ensures the value of the loan, which is important to issuers. Home buyers seeking a conforming loan typically enjoy the largest selection of loan products at the [...]

VA Loans

Get special terms for veterans & active military The Veterans Administration (VA) offers loans for eligible U.S. veterans, reservists, active-duty military personnel, National Guard and surviving spouses of veterans with available entitlement. VA loans often have more competitive terms than non-VA loans. Visit the U.S. Department of Veterans Affairs for detailed eligibility information. Ideally Suited [...]

Federal Housing Administration (FHA) Loans

Overcome credit and asset challenges to homeownership FHA loans are a type of government loan widely used by first-time homebuyers and people with low-to-moderate incomes. FHA loans offer down payments options as low as 3.5%. They also require upfront and annual mortgage insurance premiums. Ideally Suited for Those with lower credit scores Those with down [...]

USDA Loans

Get special financing for rural homes The United States Department of Agriculture (USDA) provides special financing opportunities to borrowers who live in rural areas as defined by the USDA. In fact, approximately 97% of U.S. homes are located in eligible areas. To see if the area you are shopping for a home in qualifies, visit [...]

Adjustable Rate Loans

Get the lowest rates available today An adjustable rate mortgage (ARM) are conventional or government home loans that start at a fixed rate for a set period of time. After the period expires, the rate may go up or down once per year. Ideally Suited for Homebuyers planning to move or refinance in 5-10 years. [...]

Fixed Rate Loans

Make fixed payments for the life of the loan If you're looking for the predictability of a fixed payment, look no further than a fixed-rate mortgage. This mortgage type offers a set interest rate, resulting in a fixed payment amount that will not change over the life of the loan. It's particularly popular with first-time [...]

Jumbo Loans

Get more buying power Jumbo loans allow a home buyer to borrow more than they can through a conforming or government loan. Jumbo loans, like conforming loans, are conventional, non-government loans. Unlike a conforming loan, however, they exceed loan guarantee amounts established by Fannie Mae and Freddie Mac. This requires the issuer to secure the [...]