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  Guild Mortgage Home Loans
Guild Mortgage Home Loans
in Home Mortgage Loans from Guild Mortgage · NMLS ID #3274
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Guild Mortgage Home Loans

Unaffiliated
in Home Mortgage Loans from Guild Mortgage · NMLS ID #3274
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

Rating not yet determined  

Loan Amount Up to $3,000,000
Loan Term (Years) N/A
Credit Score Range N/A
No Origination Fee N/A

Guild Mortgage Home Loans Review

Guild Mortgage Home Loans is offered by Guild Mortgage (NMLS #3274), a direct lender founded in 1960 and based in San Diego, CA. Guild Mortgage Home Loans are available in 50 states (and Washington, DC).

Key Takeaways

  • 6 different mortgage programs offered. Guild Mortgage Home Loans offers FHA, FHA 203k, HomePath, USDA, VA, conforming, and conventional mortgages.
  • Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
  • Primary and secondary homes considered. Investment homes, such as rental properties, do not qualify for financing. However, Guild Mortgage Home Loans does offer financing for primary and secondary homes (e.g. vacation properties).
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.

Guild Mortgage Home Loans Pros & Cons

Pros Cons
  • Available in all 50 states.
  • Charges an origination fee.
  • Charges prepayment fees.

Guild Mortgage Home Loans FAQ

How much can you borrow via Guild Mortgage?

Guild Mortgage Home Loans allows borrowers to apply for loan amounts of up to $3,000,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.

What mortgage rates does Guild Mortgage offer?

Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.

Guild Mortgage Home Loans offers home loans with APRs starting at 3% .

Do they charge mortgage origination fees?

Yes, Guild Mortgage Home Loans may charge a loan origination fee.

What mortgage programs are available?

Besides conventional mortgages, Guild Mortgage Home Loans offers the following mortgage types:

  • FHA loans: FHA loans are mortgages insured by the FHA. They offer competitive mortgage rates and have less stringent eligibility requirements. However, borrowers must pay a mortgage insurance premium. For instance, you can apply for an FHA loan with a credit score as low as 580. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • FHA 203k: An FHA mortgage you can also use to finance home improvements.
  • HomePath: Financing for the purchase and improvement of properties owned by Fannie Mae.

What property usage types does Guild Mortgage Home Loans allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Guild Mortgage Home Loans allows the following property usage types: 

  • Primary home

What is the customer service phone number?

The customer service number for Guild Mortgage Home Loans is (858) 560-6330.

What is the support contact email?

The support contact email for is explmail@guildmortgage.com.

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Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 6:00pm
  • Tuesday 8:00am - 6:00pm
  • Wednesday 8:00am - 6:00pm
  • Thursday 8:00am - 6:00pm
  • Friday 8:00am - 6:00pm
  • Saturday Closed

Other Services by Guild Mortgage

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Intended Use Primary Home
Primary Residence
APR Starting at 3%
(Verified 08/04/2023)
Loan Amount Up to $3,000,000
Mortgage Programs
  • FHA
  • FHA 203k
  • HomePath
  • USDA
  • VA

Guild Mortgage Home Loans Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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