Ryan Coley

Loan Officer @Guild Mortgage

Gadsden, AL, US

I am currently employed as a Loan Officer at Guild Mortgage- Gadsden, AL Branch. Guild was founded in 1960 in San Diego to provide financing for homes built by American Housing Guild. The company established itself as an innovator from the start, bringing new possibilities for home ownership to thousands of families. Over 55 years later, Guild has more than 250 Branches, a $14 Billion Servicing Portfolio, and is the leading privately-held mortgage company in the United States. Guild prides itself on providing exceptional service to all their clients. By providing fast upfront pre-approvals. Self servicing 60%- 70% of its own loans that are closed. Local Processing, Underwriting, and Funding. And being committed to closing loans on time, every time. Guild offers a variety of loans• VA - I am a United States Veteran or Active Military? Guild offers 100% VA loans with no down payment required. It will also allow you to include closing costs into the loan amount. • USDA - I don\'t have a lot of money for a down payment? USDA Loan with no down payment. It does have regulations regarding credit score, income, and area but this maybe your best option if you are low on cash. • FHA - I don\'t have a large down payment, and have concerns about my credit? Guild is currently approving loans with FICO scores as low as 580. These loans do have some strict requirements and guidelines but it may be the only way to get the Credit Challenged Buyer into a home. • CONV - I am interested in a Traditional Loan? Guild offers FNMA \"Fannie Mae\" and FHLMC \"Freddie Mac\" loans. These loans do require a higher Credit Score then FHA but it opens up the option for more homes because of the less restricted government guidelines. If you are interested and want more information on any of these loans contact me at r•••••@guildmortgage.net or call me at 25••••••38 or visit my website. I will be glad to help or answer any of your questions.Guild NMLS#3274 Equal Housing Lender