DO’S AND DON’TS OF THE MORTGAGE PROCESS
Many times we find our clients are poorly positioned to qualify for a loan with
the best possible rate. That’s why it’s vitally important to meet with a qualified,
experienced Mortgage Broker before starting your home search.
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Make sure your employment,
asset, and personal
information are correct on
your loan application.
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Be prepared to account for
nonpayroll deposits into
each account you plan
to use toward your transaction.
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Respond to any requests
from your loan officer promptly.
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Continue to make all of
your payments on time.
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Don’t apply for any new credit or
financing of any kind.
Don’t co-sign on a loan, either.
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Don’t have any inquiries made
on your credit report.
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Don’t raise red flags to the
underwriters -such as co-signing
on another person’s loan
or changing your name and address.
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Don’t make changes to your name,
address, job or income.
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WE PARTNER WITH THE BEST IN THE BUSINESS…
When it comes to buying or refinancing a home, it is nice to know that someone is
looking out for your best interests. Realty ONE Group wants all of our clients to experience the best service.
That is why we partner with the best in the business.
Guild Mortgage is a leading independent mortgage lender in the United States, specializing in residential home loans.
For more than 56 years, we’ve grown through referrals by focusing on doing what’s right.
With over five decades of experience in providing loans, service, and expertise to home-buyers,
Guild Mortgage upholds an enduring presence in the lending community. By strategically meeting
the ups and downs of the real estate and financial markets, Guild has remained steadfast in its
mission to provide affordable home financing, unsurpassed service, and a
dedicated workforce to meet our customers’ needs.
Guild is now a nationally recognized mortgage banking company with more than
250 branches and satellites serving home-buyers throughout the United States.
Presenting our Guild Mortgage Loan Officers
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CHRIS DYER
SENIOR LOAN OFFICER
NMLS #: 257153
Phone #: 510.280.2815
Email: cdyer@guildmortgage.net
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Kathy Mertens-Pickett
SENIOR LOAN OFFICER
NMLS #: 325906
Phone #: 925-584-4368
Email: kpickett@guildmortgage.net
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JASON PETERSON
BRANCH MANAGER
NMLS #: 200686
Phone #:925.818.1376
Email: jpeterson@guildmortgage.net
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MICHELLE PAXTON
SR. MORTGAGE LOAN OFFICER
NMLS #: 831343
Phone #: 510.280.2815
Email: cdyer@guildmortgage.net
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ROG@guildmortgage.net | 888.537.9690