Your Next Move BUY OR REFI Home Purchase Home Refinance Loans That Meet Your Needs Conventional Loans Down payments as low as 3%Rate and term up to 95% home valueNo mortgage insurance for loans 80% or lower of home value FHA Loans Easy credit qualifications.Flexible debt to income qualificationsCash-out refinance 80% of home value Jumbo Loans Loans up to $15 mil availableFixed rate loans availableSimple qualification requirements We mind the details so you don't have to Here's a step-by-step guide to help you find your way through the process of buying a home and securing a loan Get Ready. Thinking about home ownership, refinancing, or selling your current home? Here are a few helpful tips and tools to get you started. Why Own a Home?First Time Home Buyer Dos10 Tips for New Home BuyersSetting Up a BudgetSavings Goal Calculator Set. Find tools and resources to help you understand the process of getting a home loan. Mortgage BasicsWhat You Need for Your Loan ApplicationPayment CalculatorTotal Payment CalculatorGetting Pre-Qualified For a MortgagePre-Qualification CalculatorIncome CalculatorCash Needed CalculatorPaperwork to Keep After Closing Go! Ready for your home loan? Find a Loan OfficerFind the Guild Branch near youExplore Guild loans tailored to youApply Now OnlineFind a HomeAvoid First Time Home Buyer MistakesDream Home Wish ListFinding the Perfect NeighborhoodKeeping Your House Hunting on Track with Mobile Apps Start my Loan Application Want to have an experienced loan officer contact you for answers? Please enable JavaScript in your browser to complete this form.Buying a homeRefinancingAlready working with a loan officer?Contact Now