Guild Mortgage stands out as one of the largest home lenders in the U.S., originating over 48,000 mortgages worth $14.5 billion in 2023. With a strong presence in 46 states and more than 740 branches, it offers a wide range of loan options, including conventional, FHA, VA, USDA, and unique products like physician loans and bridge loans. Guild Mortgage is particularly known for its robust down payment assistance programs, enabling homebuyers to secure loans with as little as 0% down. While its credit requirements are flexible, allowing scores as low as 540 for certain loans, it does not lend in New York, and rates are not disclosed online. Customer service ratings are mixed, but Guild has received an A+ from the Better Business Bureau. Overall, Guild Mortgage is an excellent choice for first-time homebuyers and those seeking specialized loan products, though potential borrowers should consider its limitations in customer support.
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