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My Account Login Find a Branch Contact Us Buying a home First-time homebuyer Buying a second home Fixed-rate mortgage Adjustable-rate mortgage 30 year mortgage 15 year mortgage Mortgage rates explained Primary residence mortgage rates Refinance rates Second home mortgage rates Mortgage blog – Mortgage 101 Find a loan officer Refinance a mortgage Mortgage refinance process Rate-and-term refinance Cash-out refinance Mortgage blog – Refinance Find a loan officer Mortgage loans 1% Down Payment Advantage 3-2-1 Home Plus Program Bridge home loan BuyNow Advantage Complete Rate program Conventional mortgage Doctor Program Down payment assistance programs Energy-efficient mortgage programs FHA loan GreenSmart Advantage Program Home Equity Options Homebuyer Protection ITIN Mortgage Program Jumbo loan Lock & Shop LockNow and Sell Manufactured home loan New construction loans Payment Advantage Renovation loan Reverse mortgage loan Section 184 Indian Home Loan Guarantee Program Special Purpose Credit Programs Temporary Buydowns USDA loan VA loan Zero Down Mortgage blog – Products and programs Find a loan officer Mortgage calculators Mortgage payment calculator Mortgage affordability calculator Mortgage income calculator Closing cost calculator Refinance calculator Home sale calculator Buying power calculator Mortgage blog – Mortgage 101 Find a loan officerHistory Leadership Corporate Production Giving back Coaching Elevate Coaching Program Lift Managers Program Guild careers Current openings GuildU For loan officers Business partners Builders Real estate agents Title agents Correspondent News Press releases Financial press releases Guild in the news Press resources Investor relations Mortgage blog Find a loan officer Help center Payment questions Hardship assistance Loan payoffs Mortgage FAQs Escrow Natural Disaster: Helpful resources Mortgage blog Find a loan officer Buying a home First-time homebuyer Buying a second home Fixed-rate mortgage Adjustable-rate mortgage 30 year mortgage 15 year mortgage Mortgage rates explained Primary residence mortgage rates Refinance rates Second home mortgage rates Mortgage blog – Mortgage 101 Find a loan officer Refinance a mortgage Mortgage refinance process Rate-and-term refinance Cash-out refinance Mortgage blog – Refinance Find a loan officer Mortgage loans 1% Down Payment Advantage 3-2-1 Home Plus Program Bridge home loan BuyNow Advantage Complete Rate program Conventional mortgage Doctor Program Down payment assistance programs Energy-efficient mortgage programs FHA loan GreenSmart Advantage Program Home Equity Options Homebuyer Protection ITIN Mortgage Program Jumbo loan Lock & Shop LockNow and Sell Manufactured home loan New construction loans Payment Advantage Renovation loan Reverse mortgage loan Section 184 Indian Home Loan Guarantee Program Special Purpose Credit Programs Temporary Buydowns USDA loan VA loan Zero Down Mortgage blog – Products and programs Find a loan officer Mortgage calculators Mortgage payment calculator Mortgage affordability calculator Mortgage income calculator Closing cost calculator Refinance calculator Home sale calculator Buying power calculator Mortgage blog – Mortgage 101 Find a loan officerHistory Leadership Corporate Production Giving back Coaching Elevate Coaching Program Lift Managers Program Guild careers Current openings GuildU For loan officers Business partners Builders Real estate agents Title agents Correspondent News Press releases Financial press releases Guild in the news Press resources Investor relations Mortgage blog Find a loan officer Help center Payment questions Hardship assistance Loan payoffs Mortgage FAQs Escrow Natural Disaster: Helpful resources Mortgage blog Find a loan officer Find a Loan Officer Search Guild Mortgage has many local branches near you. Find your local Guild Mortgage branch or Apply Online A mortgage is more than a home loan It enables a whole new life What you get when you work with Guild. Home financing customized to your specific needs and budget. Your home loan should be as unique as you are. Get access to hundreds of loan options with the guidance to understand the best solution for your situation and the confidence to make a strong offer that sellers spring for. Long-term guidance and support throughout the life of your loan and beyond. After closing, you’ll receive complimentary home equity monitoring and mortgage reviews to ensure your loan still fits your life as your finances and the market changes over time. Local expertise With multiple offices in Albuquerque and other major New Mexico metros, we welcome you to come in for free in-person consultations in your own community. As one of top Mortgage lenders in New Mexico*, our goal is to build stronger communities through homeownership throughout the Land of Enchantment. What you get when you work with Guild. Home financing customized to your specific needs and budget. Your home loan should be as unique as you are. Get access to hundreds of loan options with the guidance to understand the best solution for your situation and the confidence to make a strong offer that sellers spring for. Long-term guidance and support throughout the life of your loan and beyond. After closing, you’ll receive complimentary home equity monitoring and mortgage reviews to ensure your loan still fits your life as your finances and the market changes over time. Local expertise With multiple offices in Albuquerque and other major New Mexico metros, we welcome you to come in for free in-person consultations in your own community. As one of top Mortgage lenders in New Mexico*, our goal is to build stronger communities through homeownership throughout the Land of Enchantment. Optional loan programs Conventional Credit scores as low as 620 3% down payment minimum Primary residence or second/investment home options FHA Credit scores as low as 540** 3.5% down payment minimum and 0% down options Primary homes and FHA-approved condos eligible Manufactured homes MH Advantage 3% down program Modular, CrossMod and manufactured options VA For veterans, active military and their spouse’s ​ Credit scores as low as 540​​ No down payment options available​​ Down payment assistance State and local programs​ Can be paired with other loan options​​ Renovation loans Conventional and FHA options​ Use future home value to finance improvements​​​ Buying a home First-time homebuyer Buying a second home Fixed-rate mortgage Adjustable-rate mortgage Mortgage rates explained Apply online Mortgage calculators Total mortgage payment calculator Mortgage affordability calculator Mortgage income calculator Closing cost calculator Refinance calculator Home sale calculator Buying power calculator Business partners Builders Real estate agents Title agents CorrespondentHistory Leadership Giving back News Careers Help center Payment questions Hardship assistance Loan payoffs Mortgage FAQs Escrow Menu Buying a home First-time homebuyer Buying a second home Fixed-rate mortgage Adjustable-rate mortgage 30 year mortgage 15 year mortgage Mortgage rates explained Primary residence mortgage rates Refinance rates Second home mortgage rates Mortgage blog – Mortgage 101 Find a loan officer Refinance a mortgage Mortgage refinance process Rate-and-term refinance Cash-out refinance Mortgage blog – Refinance Find a loan officer Mortgage loans 1% Down Payment Advantage 3-2-1 Home Plus Program Bridge home loan BuyNow Advantage Complete Rate program Conventional mortgage Doctor Program Down payment assistance programs Energy-efficient mortgage programs FHA loan GreenSmart Advantage Program Home Equity Options Homebuyer Protection ITIN Mortgage Program Jumbo loan Lock & Shop LockNow and Sell Manufactured home loan New construction loans Payment Advantage Renovation loan Reverse mortgage loan Section 184 Indian Home Loan Guarantee Program Special Purpose Credit Programs Temporary Buydowns USDA loan VA loan Zero Down Mortgage blog – Products and programs Find a loan...