Mortgage Loans
10 Do’s and Don’ts of the Mortgage Process

Many times we find our clients are poorly positioned to qualify for a loan with the best possible rate. That’s why it’s vitally important to meet with a qualified, experienced Mortgage Broker before starting your home search.

Here’s 10 steps to prepare yourself:

1

Don’t apply for new credit of any kind.

2

Do keep all credit card accounts open.

3

Don’t MAX OUT or overcharge existing credit cards.

4

Do maintain your employment at your current job.

5

Don’t consolidate debt to one or two cards.

6

Do pay off collections, judgments, or tax liens reported within one year.

7

Don’t make any large purchases.

8

Do stay current on your existing accounts.

9

Don’t make any large deposits into any of your accounts.

10

Do call. We are here to help you through this process.
We partner with the best in the business…

When it comes to buying or refinancing a home, it is nice to know that someone is looking out for your best interests. Realty ONE Group wants all of our clients to experience the best service. That is why we partner with the best in the business.

Guild Mortgage is a leading independent mortgage lender in the United States, specializing in residential home loans. For more than 56 years, we’ve grown through referrals by focusing on doing what’s right.

With over five decades of experience in providing loans, service, and expertise to home-buyers, Guild Mortgage upholds an enduring presence in the lending community. By strategically meeting the ups and downs of the real estate and financial markets, Guild has remained steadfast in its mission to provide affordable home financing, unsurpassed service, and a dedicated workforce to meet our customers’ needs.

Guild is now a nationally recognized mortgage banking company with more than 250 branches and satellites serving home-buyers throughout the United States.

Presenting our Guild Mortgage team supporting Realty ONE Group

Chris Dyer

SENIOR LOAN OFFICER
NMLS #: 257153
Phone #: 510.280.2815
Email: cdyer@guildmortgage.net

Delmy Steward

LOAN OFFICER
NMLS #: 2314103
Phone #: 925.864.7717
Email: dsteward@guildmortgage.net

Jason Peterson

BRANCH MANAGER
NMLS #: 200686
Phone #:925.818.1376
Email: jpeterson@guildmortgage.net

Michelle Paxton

SR. MORTGAGE LOAN OFFICER
NMLS #: 257153
Phone #: 510.280.2815
Email: cdyer@guildmortgage.net

Find Out More About Us

ROG@guildmortgage.net | 888.537.9690

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