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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

My passion for sharing knowledge and experience to help everyone through the loan process from start to finish is unparalleled. I have been working in the financial industry for 25 years as a mortgage and loan professional. My goal is to be a lender for life for your friends and family!

My personal dedication is in building relationships and delivering a memorable customer service experience with consistency and focus. I always keep everyone informed and communicate every step of the process side by side with you. I answer all calls and texts, no matter the day or date of the month. I can assist you before you ever make and offer on a property. I will sit with you and look over your budget, income, and savings, helping you have a clearer picture of what type and amount of loan that will best suit your needs.

Purchasing a home is one of the most important decisions in a lifetime, and I am honored in helping you, your family and friends achieve in making homeownership a dream come true!

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Meet my team

I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

Ashton Loving

Transaction Coordinator

aloving@guildmortgage.net

I am not an originating team member.

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

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

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.

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

home equity insights

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Testimonials

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

5.0 out of 5.0 stars

5.0

Benjamin

Feb 27, 2024

Verified

JoAnn was of great help and assistance in the closing of my new home, wouldn’t have chosen anyone else over her. Her dedication and selfless service to my family was truly reflecting of her care love and support to new home owners. Wonderful to work with and always went above and beyond in all her work. From the late night to early mornings she was always of great help and I as well as my family are true my great full for having her as our loan officer.

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NMLS ID #534293

I am authorized to do business in the state of Texas.

Select from hundreds of loan products tailored to your needs

JoAnn Baskin

Loan Officer

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