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Ben Pugh

Ben Pugh

Branch Manager

230 Dove Run Centre Drive, Middletown, DE 19709
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.

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
4.98
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Jong
Dec 19, 2023
Verified

Ben is always available for questions and our questions are answered quickly. Application process from start to finish was smooth.
Robert
Dec 19, 2023
Verified

Ben Pugh great guy.
Tammy
Dec 19, 2023
Verified

Ben was very knowledgeable and engaged with my client every step of the way. My client had a stress free closing.
Ronald B
Dec 14, 2023
Verified

Working with Guild Mortgage was a no stress solution to a typically stressful process. There were no surprises at all. The entire team worked well with the closing agent and ensured that all the needed work was completed
Ronald
Dec 11, 2023
Verified

Working with Ben was easy - he was clear on what to expect and contacted me with any questions. It was the easiest mortgage process I ever had
Anthony
Nov 20, 2023
Verified

Ben and his team were amazing, Ben and his team will be my first phone call when buying property.

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NMLS ID #141182
I am authorized to do business in the states of Delaware, Maryland and Pennsylvania.