Contact Me

Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

James Beck

James Beck

Loan Officer

1211 W Myrtle St, Suite 300, Boise, ID 83702
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.

Your home loan insights

Already a homeowner?
Find out what your home is worth and see how your equity can work for you.

Get your home estimate

X

Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
Vicki
Dec 21, 2023
Verified

Every time I have contacted James or he has contacted me, I have left the conversation with a smile!!!
Liz B
Oct 10, 2023
Verified

There is just SO many positive things I can say about James. almost five years ago we met on new years and started talking about the home buying process, we couldn't find anyone to work with us and James took us under his wing and pulled every string possible to make it so we got into a home. He helped us refinance that house in 2021 and then this year we were able to work together again to buy our second home. James has been available every single year I called, texted and just had some questions about trying to move. He always let me talk out my crazy thoughts and work through them with me. He dealt with my indecisiveness with grace and patience. He is trustworthy, honest, and works great with our realtor. He makes this stressful process a million times better. He took time to really get to know me, my husband and how we function and what is important to us. Being able to trust someone to have your best interest at heart is so important when buying a home! I would recommend James to anyone - And I have had him work with two family members already!. Go with James and you will not regret it.
Liz
Oct 10, 2023
Verified

James Beck Review. There is just SO many positive things I can say about James. almost five years ago we met on new years and started talking about the home buying process, we couldn't find anyone to work with us and James took us under his wing and pulled every string possible to make it so we got into a home. He helped us refinance that house in 2021 and then this year we were able to work togeither again to buy our second home. James has been available every single year I called, texted and just had some questions about trying to move. He always let me talk out my crazy thoughts and work through them with me. He dealt with my indesisiveness with grace and patience. He is trustworthy, honest, and works great with our realtor. He makes this stressful process a million times better. He took time to really get to know me, my husband and how we function and what is important to us. Being able to trust someone to have your best interest at heart is so important when buying a home! I would reccomend James to anyone - And I have had him work with two family members already!. Go with James and you will not regret it.
Leslie
Dec 27, 2021
Verified

James Beck is a true master of his trade. We had a difficult refinance due to our self employment and the uniqueness of our property. James took extra time (nights and weekends) to make sure our transaction was moving along. He answered all of our questions explained the process and presented us with options so we could accomplish our main goal of the refinance. Not only was James a great his team was as well. They were constantly in contact with us and walked us through a couple of electronic document signatures that went haywire. James even set up a virtual mobil notary so I could sign several documents while I was on a hunting trip in South Dakota. I was literally standing in a corn field hunting pheasant while on a video call with a mobile notary who notarized important documents that were required to keep our closing on time. This was ABOVE & BEYOND in my opinion I was not inconvenienced in the slightest!Great Job James Guild and to your team!!! We look forward to working with you on the next one and will send anyone we know looking to purchase a home or refinance one to you no question!!
Tom
Dec 04, 2021
Verified

James and his team were truly extraordinary. Right from the start James was friendly and helpful. He really took the time to make sure I understood the entire process and his team kept me informed every step of the way. I actually got an interest rate better than I expected and the whole process went very smoothly. I would recommend James and the staff at Guild without hesitation.
Kim
Nov 02, 2021
Verified

James is extremely personable and knowledgeable. He made the loan process easy and enjoyable. I would highly recommend James to anyone seeking a loan.

Video gallery

View More

Awards

awards

Causes I'm
passionate about

causes
NMLS ID #1261665
I am authorized to do business in the state of Oregon. OR ML-176;