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Sara Gavin

Sara Gavin

Loan Officer

316 W Boone Ave, Suite 880, Spokane, WA 99201
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.



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.


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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5.0 out of 5.0 stars
Kaela H
Aug 03, 2022

We worked with Sara for a refinance and a purchase as she came recommended from our friend and realtor. Should we need mortgage services again in any capacity, we will come back again without any hesitation! Sara was honest and an excellent communicator. She worked tirelessly for us and answered so many questions with patience and ease (and I had about a million). Even in a wild and unpredictable market, Sara took excellent care of us and navigated everything with confidence. 10/10, 5 stars, all the accolades!! Without a doubt, I highly recommend Sara and the team at Guild.

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NMLS ID #1846359
I am authorized to do business in the states of Idaho and Washington.