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Thomas Bouda – Guild Mortgage Lender

Thomas Bouda

Loan Officer

950 E Katella Ave, Suite 7, Orange, CA 92867
Own what matters
Own what matters

About Me

What is the Renovation Mortgage Program?

Renovation mortgages allow homebuyers/homeowners to purchase/refinance a home plus make improvements.

·        One application, one loan approval, one closing and one monthly mortgage payment.

·        Financing based on an appraiser’s estimated “After Improved Value” of the property.

·        Conventional Homestyle and FHA 203K loan options are available.

·        Owner-occupied, second home and investment properties are available.

·        Finance homes in most any condition.

·        Renovation can be for remodels/repairs/upgrades/square footage additions, accessory dwelling units (ADU)

Who can benefit from Renovation Mortgage Loans?

Homebuyers can:

·        Purchase and Renovate less than perfect home where traditional financing is not an option due to the current property “as is” conditions.

·        Address property health, safety and code violation problems.

·        Finance homes in most any condition and make improvements from basic repairs or upgrades, to extensive additions or renovations

·        Owner-occupied, second home and investment properties are available.

·        Pay for the improvements over the course of the mortgage term

Homeowners can:

·        Remodel, upgrade or expand to enhance the value of their home

·        Finance the expense of remodel projects or home repairs

Real Estate Agents can:

·        Move hard to sell listings by helping potential buyers envision remodeling possibilities

·        Overcome the challenges of selling a home in need of repairs, such as aged homes or fixer uppers.

·        Make seller aware of mortgage with renovation financing so they can list their fixer upper “as is” without making any repairs and market this financing option with their listing

·        Makes aged properties more marketable to new generation of buyers that are interested in purchasing and remodeling homes.

·        Increases the number of potential buyers, sets the agent apart from their competition.

Investors can:

·        Purchase a property that is in need of repairs, updates or structural additions.

·        Project flexibility – Improvements can range from basic repairs or upgrades, to more extensive additions or remodels

Contractors can:

·        Provide their customers with information about mortgages with renovation financing and connect them with a renovation loan specialist

·        Customers can move with their project sooner

·        Complete the improvements as planned without compromising on budget

Neighborhood civic groups can:

·        Promote renovation mortgages to advance community revitalization and beautification projects

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5.0 out of 5.0 stars
Jun 08, 2023

I had a great experience working with Thomas. He was very knowledgeable, personable and worked hard to help me successfully acquire my loan.
Jun 05, 2023

Thomas was very helpful through the loan process. Answered calls even on weekends and evenings. Did a great job!
Jun 05, 2023

Thomas Bouda was professional, hard working, and went above the call of duty. He continuously worked with us, even when things beyond control would happen and delay the closing of our loan. We are very grateful to him in helping us with our first big investment. We are in hopes to work with him in the future for our 2nd big investment. Michael and Shelby Maerz
Oct 23, 2022

Thomas Bouda is terrific!! He led me through the lending process for an ADU grant with kindness and clarity. He was informative and efficient. Thanks Thomas!!
Jun 04, 2022

Hello My name is Glen and I had the pleasure of working with Thomas Bouda. This was an awesome experience refinancing my home and being approved for the CalHFA's ADU Grant Program. This program allowed In February of 2022 the grant was $25000 for Homeowners and by April of 2022 the grant increased to $40000. My original interest rate was 4.375% and it decreased to 3.75% by Thomas buying down the interest rate. This was truly a blessing and Thomas professionalism in updating his clients with pertinent information was remarkable. Thomas took the time to answer all my questions and concerns in a timely manner which was appreciated. If your looking for someone to provide all your refinancing CalHFA grants and ADU projects I recommend Thomas Bouda. If your looking for someone who is vested in your best interest prioritizing you as a client and getting fast results I recommend Thomas Bouda. Sincerely Glen Godfrey
May 17, 2022

Thomas was fantastic! My case was not an easy one - but the time care and effort he put in to the case and to keep me informed helped make a complicated process feel a lot more understandable and manageable. Couldn't have done it without him!

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NMLS ID #455231
I am authorized to do business in the states of California, Kansas, Oregon and Washington. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; OR ML-176;