Guild Mortgage · Lender
Guild Mortgage
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: All loans subject to underwriter approval. Terms and conditions apply, subject to change without notice.
At a glance
- Credit requirement
- 620
Still to confirm: Borrower type, Property use, Reserves.
Our take: Pros & Cons
What we like
- Fixed- and adjustable-rate options available
- Financing up to 97% of purchase price, or 95% with conforming high-balance
What to consider
- Conventional eligibility includes scores as low as 620 and qualifying debt-to-income ratio
- County loan limits apply
- All loans subject to underwriting approval
AI-generated lender-level assessment based on published information. Not a verified assessment of Conventional loans; confirm program-specific conditions below.
Newcomer requirements
Conventional loans
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum credit score
- 620
- State restrictions
- Conventional loan amounts may not exceed county loan limits (varies on a county-by-county level)
View full lender requirements
- Minimum credit score
- 620
- State restrictions
- Conventional loan amounts may not exceed county loan limits (varies on a county-by-county level)
- Other conditions
- Homebuyers with good credit (scores as low as 620) and a qualifying debt-to-income ratio
Questions to confirm with the lender (14)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum down payment
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- Property restrictions
- Occupancy
Requirements last reviewed: Oct 27, 2026 · Official requirements source
Rates and costs
Conventional loans
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Conventional loans
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Guild conventional mortgages with fixed- and adjustable-rate options and financing up to 97% of the purchase price, subject to qualification.
Legal lender: Guild Mortgage Company LLC
Lending channel: Direct lending, Correspondent lending
Provider type: Mortgage company
Lending channels: Direct lending, Correspondent lending. Origination status: Not stated.
NMLS identifier: 3274
More lender directory information
Direct application information ↗
Correspondent lending information ↗
All loans subject to underwriter approval. Terms and conditions apply, subject to change without notice.
Directory verified: 2026-10-27 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 27, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.