Essential Guild Mortgage Company Information to Understand

Essential Guild Mortgage Company Information to Understand

Guild Mortgage Company is one of the oldest companies when it comes to home loan financing. Here are some of the things you need to understand about this company.

Guild Mortgage Company is well-known all around the world as one of the finest companies to help people buying and financing for their houses. Buying a house is not something you can take for granted. It needs a lot of money. This is why Guild exists in society. It helps people to make sure they can eventually purchase the dream house.

Why Choosing Guild Mortgage Company?


The first thing you need to know about Guild Mortgage Company is why people all across USA choose to use the service of Guild Mortgage. Here are several reasons related to this matter.

1. Over 50 Years of Experience

Guild Mortgage Company has been around for quite a while. It was established in 1960. It means it has been serving the community to purchase houses for over 50 years. With all those years of experiments, it is believed everything in the company is already professionals, including the people working for company, the system, the programs available, and everything else. The professionalism gained by company over the years has created a solid base to give only the best for all clients.

2. Numerous Programs to Choose

Buying a house is not something easy. Sometimes, people will get confused of all the terms and conditions when it comes to purchasing a house. Thankfully, everything is fully flexible in Guild Mortgage Company programs. There are numerous programs to choose and adjust with the need of clients. All types of mortgage can be done in the company, including the common fixed-rate mortgage to USDA loan. All the clients need to do is just telling the mortgage officer of Guild about what they need in loan and what they want it to be like.

3. Easy Process for First-Time Homebuyers

It is believed that buying a house is an excited experience. Probably, it is true. However, most first-time homebuyers feel terrified instead of excited. It is probably because buying a house is such a big deal and does not come easy, especially with all the payment, financing, and paperwork. Lucky for them, Guild is the company to finance a home loan with ease. Even for first-time homebuyers, they will feel the process is fast and easy. There is no need to get confused all the time because of tricky process of purchasing a house.

4. 24/7 Customer Service

One of the best signs of good company is a reliable customer service. This is exactly what happens to Guild. The home loan financing company is available all across the USA. It means they have numerous clients and customers. They do not take this fact for granted since they provide 24/7 customer service. The customer service officer is ready to talk to you and solve any problem you encounter during home loan process. Simply dial the customer service number of Guild and you will get connected to the help your need as soon as possible.

5. Simple Payment Methods

Paying for home loan every month can be such a difficult thing to do when the payment methods are limited and not flexible. Thankfully, Guild Mortgage Company service is nothing like that. It is not only the customer service that is ready and great all the time, but also its payment method. You can pay for your loan using many ways, starting from mailing cash to make automatic deduction from bank account. Simply inform the mortgage officer about what type of payment method you want to use, and you will get set for it soon afterward.

Types of Mortgage Provided by Guild Mortgage Company


Guild Mortgage Company provides numerous types of home loan programs. Here are several types of mortgage provided that every customer needs to know and understand right from the start.

A. Fixed-rate Mortgage

Fixed-rate mortgage is the most common type of loan when it comes to buy a house. Guild Mortgage Company has the best program for those who want to take this kind of loan. Well, it has fixed interest rate that means there will be no surprise and additional cost throughout the year. Customer can pick a term, starting from 10 to 30 years period.

B. Adjustable-rate Mortgage

This loan, also known as ARM, is the opposite of fixed-rate one. It has changeable interest rate. It means the cost of a house is going to be adjusted to numerous related factors, including the value of the house. The terms for this mortgage from Guild are 3, 5, 7 and 10 years.

C. Jumbo Loan

There are people who really want to purchase expensive and luxurious house. The price might be more than $424,100. When the house is so expensive, the client needs jumbo loan. The loan provides more money, allowing client to purchase expensive house. The limit for this loan is $3 million. To get this one, client must be extremely stable financially and has great FICO score.

D. FHA Loan

FHA loan or Federal Housing Administration loan is the kind of loan provided and backed by US government. The mortgage is relatively easy to get because the down payment is low, and it is fully backed by the government. Guild Mortgage Company provides huge arrays of FHA loan for all their customers. They just have to tell them what they need and they will get the best program for them.

E. USDA Loan

Last but not least, Guild has USDA loan. USDA stands for United States Department of Agriculture. The department backs this kind of loan as this is a loan to make people buying property in rural areas. The loan makes people consider buying house in underdeveloped area instead of in the crowded downtown.

Those are essential things you need to understand about the famous home loan financing company. Now, you do not have to worry anymore when having found your dream house but do not have the sufficient amount of money to buy it. The legendary Guild Mortgage Company is going to help you right from the very start to the point where the house becomes yours.

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