Guild Mortgage - Columbia Downtown

What should homeowners expect when it comes to a monthly mortgage payment?

Today, we honor the memories, the love shared, and the bonds that continue to inspire us. Happy Father's Day to all the dads, father figures, and those who fill the role with warmth and care.

Let's celebrate the American dream of owning a home and recognize the advantages for you, your family and your future. If you're looking for expert guidance on your journey home, connect with us today.

Looking to buy a home in a rural area? Read our recent blog to see how to qualify for the perks, which may include low to no down payment requirements and below-market rates: https://bit.ly/3X6wGvW

Say CHEESE, and cue the pearly whites. After all, today is National Smile Day and we're beaming with pride at all the glorious grins we help create by supporting our customers, fostering trust with our partners and providing an environment where our teams can thrive.

Puzzled by all the mortgage acronyms? Let us help you decode the language of loans:

APR (Annual percentage rate): Your total yearly cost of borrowing, including interest and fees. APR helps you compare mortgage offers and choose the most cost-effective option.

LTV (Loan-to-value ratio): This compares the loan amount to the appraised value of a property. A lower LTV ratio may lead to lower interest rates and reduced fees.

DTI (Debt-to-income ratio): It measures your monthly debt payments compared to your gross monthly income. A lower DTI ratio is a sign of financial stability and may improve your chances of loan approval and a lower interest rate.

These are just a few of the many mortgage abbreviations--but don't worry, we're here to help you make sense of it all. Reach out anytime.

Homebuyers: Curious about the role property taxes will play in your monthly expenses? Check out our recent blog to understand how they can affect home affordability and personal finances: https://bit.ly/3UYswn5

We're eternally grateful for those who gave everything for our nation. Today, we honor their courage and sacrifice.

Fact check: When you cosign a loan you're making a financial commitment with no rights to the property. It's important to understand your responsibility in this scenario and we're here to offer clarity amidst the confusion. Reach out to learn more.

Boosting your mortgage pre-approval limit is a process that requires time and dedication--and we're here to offer support every step of the way. Read more about it in our recent blog: https://bit.ly/3wAdwE1

May is Jewish American Heritage Month. Join us in recognizing and honoring all of those who made an enduring impact on our nation's history and culture.

In honor of the prestigious Westminster Dog Show, which concludes today, we're unleashing the perfect homes for your favorite breeds. Where would your dog love to live? Comment below!

Here's to all the remarkable moms who give boundless love and support. Your hard work, selflessness, strength and guidance are an inspiration.

Celebrating National Teacher Day with gratitude for those who light the way and ignite the spark of curiosity within us.

Whether you're listening to mariachi, swaying to the merengue, attending a parade or chowing down on chips and salsa, May 5th is a fun-fueled fiesta brimming with music, dancing and culture. ​

Let's taco 'bout how you're celebrating Mexican culture today! Comment below.

A strong team of experienced players improves the chances of success in any situation. Meet the American homebuyer's dream team who work together to help homeseekers become homeowners.

In 2016, Guild Mortgage employees founded the Guild Giving Foundation, a 501c3 non-profit intended to directly channel the community giving spirit of Guild's core values into the neighborhoods we serve. With a focus on providing shelter and financial literacy, Guild Giving is raising money to provide closing cost assistance to those struggling to qualify for a mortgage. Through Guild Giving, we are building stronger communities through homeownership.

If you're planning on buying a home soon, today's advertised sales and bargains may tempt you away from your goals. Here's a few tips on how to keep the big picture in focus.