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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

Choose Guild for who we are. We bring honesty and expertise to each relationship. We sort through the complexity. We mind the details. We take our responsibility seriously because it matters to people’s futures.

We’re here to guide you through the biggest transactions of your life. And we’re here to serve you long after the loan closes. We operate to earn your business for life, to help you nurture the investment that serves as the setting for many of life’s moments — big and small.

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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.

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

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.

Reverse mortgage loan

If you’re retired or at least 62 years old and looking to purchase or refinance to make the most of your home investment, this may be a good option for you. A reverse mortgage allows you to use the equity in your home to supplement your retirement income.

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

home equity insights

For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.

Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.

5.0 out of 5.0 stars

5.0

Michael

Nov 15, 2024

Verified

todd young was very very good . on a scale from 1 to 10 10 being the highest 10 plus

Jessica

Apr 05, 2024

Verified

Todd is always a pleasure to work with. He is attentive and responsive in every interaction. Todd has made my home buying experience effortless and it is a true joy working with him.

Angela

Aug 12, 2023

Verified

Thank you Todd for making this time around much smoother and less stressful. You were great!

Tony

May 08, 2022

Verified

Todd Young and the Guild Mortgage loan processing team were engaged responsive and guided us throughout the entire loan process while navigating us to the mortgage loan closing finish line. Would definitely recommend Todd Young

Bret

Apr 08, 2022

Verified

Todd Young was Aces from start to finish. Wether your looking to re-finance your current loan purchase a new home or rehabbing your house Todd is the go to person for your loan needs. I would not hesitate to contact him again in the future!! Thank you again Todd.

Frank

Apr 08, 2022

Verified

A job from start to finish.

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NMLS ID #148654

I am authorized to do business in the states of Delaware, Florida, New Jersey and Pennsylvania. Licensed by the N.J. Department of Banking and Insurance;

Select from hundreds of loan products tailored to your needs

Todd Young

Sales Manager

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