|Mortgage and Lending||
|location_on Merced, CA — Guild Mortgage Company|
|web Julian Peters's (julianpeters) Blog|
FHA 203K Streamline FHA Financing Investment Financing Jumbo Elite Rural Housing Financing VA Financing 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."
With over four decades of experience in providing loans, service, and expertise to homebuyers, Guild Mortgage Company upholds an enduring presence in the lending community. By strategically meeting the ups and downs of the real estate and financial markets, Guild Mortgage has remained steadfast in its mission to provide affordable home financing, unsurpassed service, and a dedicated workforce to meet our customers' needs.
Guild Mortgage Company was founded in 1960 as a home financing company for American Housing Guild in San Diego. In its first decade, Guild Mortgage Company provided residential mortgages to homebuyers in American Housing Guild's new home developments.
Guild broadened its range of services in 1972 by including resale mortgage financing. After decades of successful innovation and growth, Guild Mortgage Company is now a nationally recognized mortgage banking company with more than 40 branch offices serving homebuyers throughout the Western United States.Our Values
Guild Mortgage Company has an assembly of talent exceptionally rare in mortgage banking, with many employees and investors choosing to stay with us for more than a decade and with our company experiencing more than forty years of success.
Our foundation is rooted in our integrity, which has allowed us to build strong relationships with our customers, employees, and investors and ensures we will be here in the future.
We close loans in a timely, professional manner. Remaining focused on our goal keeps our team working together efficiently and with the highest standards.
Guild Mortgage Company is recognized as providing leadership in meeting home financing needs. We lead in our flexibility, our ability to create new products, and in our dedication to bringing value to everyone we serve.
I lend in California. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act; Real Estate Broker #00201485 – California Department of Real Estate.