Nydia Cruz at Guild Mortgage Company

Our tip for - organizing your house is a lot more motivating when you own it! Ready to start the path to homeownership? Send us a message to get started 📩

Life doesn’t wait for the “perfect” market conditions. Each market presents unique opportunities and challenges, whether you are buying or selling, and understanding what to take advantage of when will help you make the best move on your own schedule. Here's what to watch for as a seller in a buyer's market.

We're almost a full week into the new year, how are everyone's resolutions going?

Life doesn’t wait for the “perfect” market conditions. Each market presents unique opportunities and challenges, whether you are buying or selling, and understanding what to take advantage of when will help you make the best move on your own schedule. Here's what to watch for as a buyer in a buyer's market.

Recently purchased a home? Property transfers are public information, so marketers will know this too - and you may find your mailbox stuffed with their advertisements. These can be cleverly disguised as legitimate pieces of mail, so you'll want to be able to recognize what's important, and what's just junk. Here's how you can tell the difference.

Where do you want to be this time next year? If it's in a new home, we can help you get there 🎉🎉

Watch the ball drop - don't drop the ball. If homeownership is on your list of New Year's resolutions, we can help you get started. What better time to start than the first day of the year? See you in 2023!

Which is your dream home? 🏠

Which of these do you think you should avoid during the loan process? 🤷🏼‍♂️

💳 Credit scores are like a financial resume - they help lenders better understand your experience with credit.

📈 Higher scores = more reliable, less risk
📉 Lower scores = less reliable, more risk (or, sometimes...there’s just not enough information to know)

Here’s what kinds of information credit reporting agencies use to calculate your score:

📌Length of credit history
-How deep is your experience with credit? The longer the better.

📌Payment history
-Do you make your payments on time? Lenders love that.

📌Percent of credit used
-How much have you already used? Lower usage = more room for your mortgage payment

📌New credit
-How many new accounts have you opened? Are you able to take on more debt?

📌Types of credit
-Just like your credit history, different types of credit reflect more experience. This means credit cards, loans, mortgages, etc.

Remember – building your credit score is a marathon, not a race. If you keep these tips top of mind, we'll help you get your mortgage to the finish line 😉

While yes, you can use your VA benefit more than once, other options may actually work better for you. It's really about your situation. Let's chat. 😉

It may feel like winter's already arrived, but today we can officially say it – it's wintertime!

While basic home inspections are built into the FHA and VA loan appraisal process, they're primarily concerned with health and safety issues. A complete inspection can help you identify necessary repairs, budget for future maintenance, and possibly even help you in the negotiation process. Here's what you'll need to know to get started: https://bddy.me/3j7d5tx

Lock in your forever home, not your forever rate. We'll find the best loan to fit your life no matter what life throws at you - now, and when the market changes. Reach out today to get started!

Does pineapple belong on pizza? Is cereal considered a soup? Those questions are up for debate.

One thing you can know for sure is how much mortgage you can afford. We'll walk you through your current financial situation and your options so you can start house shopping with confidence. Learn more about the process here: https://bddy.me/3PmzJtW

Guild Mortgage has an enhanced Homebuyer Protection Package designed to smooth the uncertainties of today's housing market. Know your purchase is protected with this 4-pack of guarantees. https://bddy.me/3hmsNAD

Giving back to our communities is an important part of our mission here at Guild Mortgage. That's why we're especially excited for December - the Month of Giving! Let's share some opportunities to give back here in our local community - tag your favorite organizations in the comments below 👇👇

If you're going to wait for the perfect rate, you might as well do it in your own home. Remember, marry the home, date the rate - you can always refinance later.