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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.

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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%.
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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.
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VA

If you're an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you'll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

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

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.89 out of 5.0 stars
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5.0
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4.9
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5.0
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4.7
Shikina
Nov 6, 2025
We highly recommend Mrs.jamie Christopher our experience was wonderful and stress free her expertise and dedication was ...See more
Precious L.
Nov 3, 2025
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"I highly recommend Guild Mortgage ,Jamie Christopher as a real estate agent. Their dedication, expertise, and friendly ...See more
Shikina
Nov 3, 2025
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Mrs.Jamie made our process very smooth and we didn't have have to worry about anything
Sharida A.
Oct 6, 2025
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It was a pleasure having a loan officer to help guide my husband and I through our process. This was my first experience...See more
Alicia
Oct 6, 2025
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Jamie is the BOMB!! unlike some others, she will let you know what will help you get closer to your home instead of just...See more
Will
Oct 5, 2025
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stuck with me all the way to the end and help me overcome a lot of obstacles that was in the way

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NMLS ID #2351068

I am authorized to do business in the states of Alabama, Florida and Georgia.

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