Products


FHA 203K Streamline

The FHA 203k Streamline loan allows for all the flexibility of the standard FHA loan plus the ability to get up to $35,000 for cosmetic home improvements. This is the perfect loan for purchasing a distressed property, foreclosure, fixer or REO when you intend on occupying the home.

Features:

  • Down Payment of 3.5%
  • Virtually any kind of improvements are acceptable with the exception of structural and luxury items.
  • Loan amount available up to the maximum Jumbo FHA limit for your area.
  • No inspection required for repairs up to $15,000
  • FHA financing is for EVERYONE and not just limited to first time homebuyers.


FHA Financing

FHA loans are guaranteed by the government and offer low down payment options with more flexible guidelines than traditional mortgages.

Features:

  • Down Payment of 3.5%
  • Allows for lower credit scores or Non-traditional credit history.
  • Cash out refinance transactions up to 85% LTV.
  • NO minimum or maximum income limits
  • Loan amount available up to the maximum Jumbo FHA limit for your area.
  • FHA financing is for EVERYONE and not just limited to first time homebuyers.


Investment Financing

Financing is still available for Investment properties with 30 Year Fixed Rate or Fixed Period Arm options.

Features:

  • Loan amounts up to $417,000 (up to $729,000 in High Cost areas)
  • 1-4 Units
  • LTV’s up to 75%
  • Cash out refinancing available
  • Interest Only Feature


Jumbo Elite

Finance the loan amounts you need with the rates and service you deserve.

Features:

  • Maximum loan amount $2,500,000
  • Terms include 3/1, 5/1, and 7/1 Fixed Period Arms
  • LTV’s up to 75% / CLTV to 80%
  • Interest Only Feature


Rural Housing Financing

Rural Housing is a government sponsored program that allows for true 100% financing in designated rural areas.

Features:

  • No down payment required
  • No mortgage insurance requirements
  • The property must be located in a designated rural area.
  • Income restrictions apply
  • No reserve requirements
  • Seller contributions allowed


VA Financing

The VA is a government sponsored program that allows US Veterans the ability to finance up to 100% of the purchase price on a new home.

Features:

  • No down payment required
  • No reserve requirements
  • Seller contributions allowed
  • Borrower must be Active Military or a Veteran
  • Cash out available to 90% LTV




"All product information subject to change without notice. All loans subject to underwriter approval."
 

 

 

Guild Mortgage Company, 5898 Copley Drive, San Diego, CA 92111, Phone: 858-560-6330
Click here to view Guild Mortgage Company on NMLS Consumer Access;  Company NMLS ID 3274