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  Guild Mortgage Refinance
Guild Mortgage Refinance
in Mortgage Refinance from Guild Mortgage · NMLS ID #3274
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Guild Mortgage Refinance

Unaffiliated
in Mortgage Refinance 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.

Rating not yet determined  

4 users recommend
0 users are unsure
0 users don't recommend
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Highlights
Community Rating

Rating not yet determined  
Loan Amount Up to $3,000,000
Loan Term (Years) 10 - 30 years

Guild Mortgage Refinance Review

Guild Mortgage Refinance is offered by Guild Mortgage (NMLS #3274), a direct lender founded in 1960 and based in San Diego, CA. Guild Mortgage Refinance are available in 48 states (and Washington, DC).

Key Takeaways

  • 6 different mortgage programs offered. Guild Mortgage Refinance refinances 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.
  • Non-standard interest rates available. Guild Mortgage Refinance offers hybrid mortgages, and fixed-rate mortgages.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.

Guild Mortgage Refinance Pros & Cons

Pros Cons
  • Available in 48 states.
  • Charges an origination fee.
  • Charges prepayment fees.

Guild Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via Guild Mortgage?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Guild Mortgage Refinance offers mortgage refinancing with terms ranging from 10 to 30 years.

How long does Guild Mortgage take to refinance?

Guild Mortgage does not provide details on the average time to close a refinance. However, it typically takes 30 to 45 days to complete a refinance. Of course, a lot depends on the market, the lender, and how long appraisals and inspections take.

Does Guild Mortgage charge a mortgage origination fee?

Yes, Guild Mortgage Refinance will charge a loan origination fee.

What mortgage programs does Guild Mortgage offer?

Guild Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. 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.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does Guild Mortgage allow?

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

  • Primary home
  • Secondary homes and vacation properties
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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

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Home Loans

Rating not yet determined

1 Reviews

Availability

  Available in 48 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 Mexico
  • 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
  • Secondary Home
Loan Term 10 - 30 years
Loan Amount Up to $3,000,000
Interest Rate Types Offered Hybrid Mortgage
Mortgage Programs
  • FHA
  • FHA 203k
  • HomePath
  • USDA
  • VA

Guild Mortgage Refinance 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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