Guild Mortgage

Verified

4.7(1,874 reviews)

Guild Mortgage is a first-time buyer specialist with some of the most flexible credit requirements and extensive down payment assistance programs.

Rate Range

6.35% – 9.00%

Loan Amount

$50,000 – $3,000,000

Min Down Payment

$0 / 0%

Time to Close

21–30 days

Available Loan Types

FHAVAUSDAConventionalJumboRenovationManufactured

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Soft credit pull only · No impact to your score

✓Pros

Accepts 540 credit scores (FHA)
60+ DPA programs
Manufactured home loans
Bridge loans available

✗Cons

•Limited to western US markets primarily
•Not the fastest closer

Eligibility Requirements

Min credit score: 540 (FHA) / 600 (conventional)
2-year employment history
Primary residence required

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