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Richard Key

Richard Key

Loan Officer

310 Samford Village Court, Suite 500, Auburn, AL 36830
Own what matters
Own what matters

Let’s find the right home loan for you

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.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
Juliana
Oct 31, 2023
Verified

I would recommend Ricky Key to anyone looking to purchase a home. Ricky helped us through every single step of buying our first home, and he was always available for a call when we had questions. Ricky is kind, honest, and truly cares about helping people secure the financing they need to buy the home they want. His entire team was so helpful. Everyone was genuinely a pleasure to work with! Ricky is the best!
Bobby H
Aug 14, 2023
Verified

Ricky Key is an absolutely amazing loan officer. He always kept me updated, was thorough, and walked us through the process the entire way. With such a great low interest rate, and with him guiding us through this process, we will be sure to recommend Ricky again. We can't say enough good things about Ricky, and his team.
Bobby H
Aug 14, 2023
Verified

Ricky Key is an absolutely amazing loan officer. He always kept me updated, was thorough, and walked us through the process the entire way. With such a great low interest rate, and with him guiding us through this process, we will be sure to recommend Ricky again. We can't say enough good things about Ricky, and his team.
Melinda
Jul 31, 2023
Verified

Richard is amazing. He answers his phone day or night, and if he can't answer he will text you. He keeps you informed every step of the way and answers any and all questions you may have during the transaction and will help guide you to make sure you understand. I cannot recommend Richard at Guild Mortgage enough!
Billy
Jul 10, 2023
Verified

I've worked with Ricky for years. He always gets the deal done. I would Highly recommend him to anyone buying a house.
Stephanie
Feb 14, 2023
Verified

We have used Ricky and his team twice now and they have been great to work withThey kept us in the loop every step of the way and answered all questions we had.

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NMLS ID #543344
I am authorized to do business in the states of Alabama and Georgia.