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Let’s find the right home loan for you

Local Lenders Anchorage Alaska. We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets. Local Lenders Anchorage Alaska.

Choose from the following mortgage types and services

A mortgage properly tailored to your needs becomes an instrument that enables a whole new life. That’s why we offer different types of home loans for a wide array of borrower situations, including first-time homebuyers, military families, and rural homebuyers. At Guild, you’ll find a loan that fits your life.

Which one of these describes you best?

With hundreds of types of home loans to choose from, we can help you tailor a borrowing strategy that works best for your family and lifestyle.

Whether you’re a first-time homebuyer, a military family, or a rural homebuyer, Guild has mortgage services and several types of home loans to fit your needs.

VA home loans

VA home loans benefit veterans, service members, and surviving spouses. These loans allow you to buy or refinance with the following advantages:

• No down payment options
• Borrow up to 100% of the home’s value with a cash-out refinance
• Rate and term refinance options
• No private mortgage insurance (PMI) requirement
• Lower interest rates than traditional mortgages
• Higher debt-to-income ratios accepted
• Reduced fees as compared to traditional mortgages

What is a VA home loan?

A VA home loan has a portion of the loan balance guaranteed by the U.S. Department of Veterans Affairs (VA). Veterans who qualify may find homeownership more accessible through VA-backed loans than other financing programs.

With no down payment, flexible income, and lenient credit requirements, the VA home loan is a great tool to help our military members find a place to call home.

What are the VA home loan requirements?

If you served in the Armed Forces, you must meet one of the following to qualify:

• A certificate of Eligibility (COE) will be required to determine eligibility and the VA funding fee
  • For service members: You meet the minimum active-duty service requirement if you’ve served for at least 90 continuous days (without a break in service). For Veterans, National Guard members, and Reserve members: You meet the minimum active duty service requirement depending on when you served.

We’re here to serve your most important beginnings

VA home loans open the door to homeownership by eliminating the need to spend years saving for a down payment or building a good credit history. Our loan officers will find the VA home loan that fits your life. Whether you’re interested in a starter home, an investment property or a place to renovate and make your own, we’re here to help you at every step.

If you’re interested in learning the next steps, please fill out our contact form to get in touch with a loan officer. We’ll be happy to answer any questions regarding VA home loans, requirements, and eligibility.

What is an FHA loan?

An FHA loan is insured by the Federal Housing Administration (FHA) and issued by an FHA-approved lender. Since these loans were designed for low-to-moderate-income borrowers, they offer options to borrowers with lower minimum down payments and credit scores. While FHA loans are popular with first-time homebuyers, they are available to anyone who qualifies.

Who qualifies for FHA loans?

• Homebuyers with lower credit scores
• Individuals with low-to moderate-incomes
• Borrowers who would prefer to make a lower down payment

Benefits of an FHA loan:

• More flexible qualification requirements than other home loan types
• Down payments as low as 3.5%
• Credit scores as low as 540
• Financing up to 96.5% of home purchase price

Credit scores under 580 require a minimum of a 10% down payment.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deductions.

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