Pat Clay
Sr. Loan Officer
NMLS ID #1382057
Richmond, VA
Find the loan to fit your life
You have choices when it comes to home financing
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Dec 24, 2025 |
Hampton, VA
Nov 24, 2025 |
Kirkland, AZ
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Office Hours
Monday - Friday
Saturday
Sunday
8:00AM - 5:00PM
CLOSED
CLOSED
Monday - Friday
8:00AM - 5:00PM
Saturday
CLOSED
Sunday
CLOSED
NMLS ID #1382057
I am authorized to do business in the states of Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, North Carolina, New Hampshire, New Jersey, Pennsylvania, South Carolina, Texas, Virginia, Washington and West Virginia. AZ BK#0018883; AZ BKBR# 1045269; AZ LO Lic.# 935857; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; Licensed by the N.J. Department of Banking and Insurance; (www.nmlsconsumeraccess.org/);
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See what we offer
Whether you’re buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs designed to meet different needs and situations.
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Helpful resources
What are draw and repayment periods for HELOCs* and HELOANs?
Nearly 30% of homeowners are considering tapping into their home equity, a notable increase compared to a few years ago.
Read more
When should I use my home equity?
Your home has probably done a lot for you over the years. It’s where you’ve made memories, celebrated milestones, and planted roots.
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Is a 2-1 buydown worth it? Pros and cons explained
A 2-1 buydown, also known as a 2-year temporary buydown, provides breathing room for aspiring homeowners to get started on building equity.
Read more
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