Mortgage Loans
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.

Dos:

1

. Make sure your employment, asset and personal information is correct on your loan
application.

2

Be prepared to account for non payroll deposits into each account you plan to use
toward your transaction.

3

Respond to any requests from your loan officer promptly.

4

Continue to make all of your payments on time.

Don’ts:

1

Don’t apply for any new credit or financing of any kind. Don’t co-sign on a loan, either.

2

Don’t have any inquiries made on your credit report.

3

Don’t raise red flags to the underwriters -such as co-signing on another person’s loan
or changing your name and address.

4

Don’t make changes to your name,
address, job or income.

5

Don’t spend your closing costs.
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 Loan Officers 

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 #: 831343
Phone #: 510.280.2815
Email: cdyer@guildmortgage.net

Find Out More About Us

ROG@guildmortgage.net | 888.537.9690

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Guild Mortgage Company. Equal Housing Lender. NMLS #3274. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.

All loans subject to underwriter approval. Terms and conditions may apply. Subject to change without notice. Guild Mortgage is not affiliated with Realty One Group. For more licensing information visit nmlsconsumeraccess.org.