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Philip Clark
Senior Loan Officer NMLS# 279817
550 Reserve Street, Suite 490, Southlake, TX 76092
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.
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Testimonials
Phil was amazing during this process. He was there for every step of the way. He worked so hard and would go the extra mile for us during the loan. He explained everything to me being a first time homebuyer. I would recommend Guild Mortgage to everybody. I will be using Phil again when it’s time to refinance.
Working with Phil Clark and his team was more of a 10 Star experience. I was super impressed with Philip and his team how they handled the entire transaction. Philip kept us informed throughout the transactions. They call every Tuesday and give updates. You always know what is going on with your file. They have excellent rates and low fees. Philip was always available any time we had a question. He closed the transaction in record time, when most lenders are not closing deals on time.Philip comes to his closings to make sure the buyer does not have any questions. If you are looking for excellent service, good rates and low fees, Philip Clark is the one you need to reach out to! Best Lender in Southlake, Texas
Our experience with Phil Clark could not have been better. He was always on point and did not waste any time answering our questions and concerns. Very pleasant and courteous Phil worked with us until the very last minute when we signed the last paper of the home Closeout. Will procure his services again without hesitation. He alleviated so much of the stress that comes with buying a home from us that today we are living in our new home and it feels like we didn't put much effort into buying it.Thank you Phil for such a great customer service and been so pleasurable to work with. Every business should employ associates of your caliber. We are extremely greatfull for your service.Miguel and Yong Lozada
Phill was great and the rest on the team did a good job. He also double checked with me to make sure I had the right information.
My husband and I had the best experience with Guild. Phil and Whitney have been so helpful, patient, and kind during this process, which made it a pleasant experience.
Fabulous to work with! Helped me every step of the way and was a therapist when I was stressing! Amazing People! Highly recommend!
NMLS ID #279817
I am authorized to do business in the state of Texas.