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Find the Perfect Home Buying Program.

Are you a first-time homebuyer?

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Home Buying Programs

First Time Buyers & More

Home buyers do not have to be a first-time home buyer to qualify. There are low down programs available to all home buyers.

Less Than Perfect

Homebuyers with less than perfect credit scores can use FHA loan options. Home loans start with low Convetional 3% and FHA 3.5% down payment.

FHA Loans + More

Conventional, FHA, VA, and USDA mortgages can be allowed with low down payment options.

No Down Payment?

Down Payment Assistance Programs may provide a no down payment option to help you buy your next dream home.

How it works

first Share a few details
first Low Down
first Hi, I'm Mary, your loan officer, How can I help?
first Share a few details
first Low Down
first Hi, I'm Mary, your loan officer, How can I help?
1

Choose your best option

It all starts here by choosing a low down payment option, say FHA Loan, that best fits your home purchase.

2

Compare down dayment options

Get an easy to follow estimate with loan program, interest rate, monthly payments and cash to close. Know what to expect.

3

Painless pre-approval*

Once you know your options you will be invited to submit an application to start the pre-approval* process

Starts Here

*Pre-approval is not a commitment to lend.

Frequently asked questions

Q: How does a homebuyer qualify for first-time home buying programs?
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Buyers must have qualifying income, be a first-time homebuyer, and occupy as primary residence. Ask your loan officer for additional qualifications.

Q: How much do I need for my down payment?
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Your down payment depends on which program you qualify for and which program you can get approved for. Some first time programs have income limits, but do not worry we can review all loan program options with you.

Q: Do you offer a FHA Loan with 3.5% down payment?
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Yes, FHA is an excellent choice. We also offer Conventional, VA, and USDA mortgages. Each loan is has differnt guidelines.

Q: Can down payment assistance programs really help me buy a home?
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Yes, we help home buyers every day to achieve their goals of purchasing a home.

Q: What kind of home loan are available?
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Typically first-time homebuyers like fixed loans and we can offer low down Conventional, FHA, VA and USDA loans..

Q: What is the first step to take advantage of home buying programs?
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Start with “GET STARTED” answer the questions, connect with our home buyer specialist and have your options emailed to you.

Get started in minutes

Speed matters. Which is why you can get information today. Without affecting your credit score.

GET STARTED

Guild Mortgage Company; Equal Housing Opportunity; AZ BK #0018883; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; MA Mortgage Lender License #MC3274; MA Mortgage Broker License #MC3274; Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the N.J. Department of Banking and Insurance; NV Mortgage Company #1141; OR ML-176; Rhode Island Licensed Lender; Rhode Island Licensed Third-Party Loan Servicer; Company NMLS ID 3274. www.nmlsconsumeraccess.org/. All loans subject to underwriter approval. Terms and conditions apply, subject to change without notice. Guild Mortgage Company is an Equal Opportunity Employer. Guild Mortgage Company 5887 Copley Drive, Floors 1, 3, 4, 5, 6, San Diego, CA 92111; For more licensing information, please visit www.guildmortgage.com/licensing.