Guide for Guild Mortgage Loan application and login process

December 15, 2022 Ritik Rawat Finance

This article will provide you with useful insights into how you can apply for Guild Mortgage loan online via Guild along with a simplistic log-in guide.

Guild mortgages, one of the fastest growing online lenders, have come with their own unique offerings marking their distinctiveness from the swarm of online mortgage lenders. These enticing offerings if put tersely include a low down payment rate and expediting the closing process within a matter of 17 days, which is way too less from the industry level that stands at 51.

Also follow our guide to get a Pre-approved Loan through MyInstantOffer

How to apply for a Guild Mortgage loan via Guild

These are the steps that in general need to be taken care of if you are applying for a Guild Mortgage loan via their website.

  • Firstly, you will have to get preapproved for the mortgage via Guild Mortgage’s digital application. After this, you may want to estimate your maximum purchase price with the help of an online prequalification calculator that Guild Mortgage offers.
  • Then, you will have to head over to and in order to apply for the loan will have to provide information about yourself, your financial information also the amount of loan that you are seeking.
  • At last, when it comes to closing Guild Mortgage offers a 17-day closing guarantee and if there is a delay and its cause is the lender itself, then it will give you $500 to cover the closing costs.
  • In between each of these stages, you can always get in touch with a loan expert provided by Guild Mortgage itself to help you understand the application process even better. Moreover, all the necessary income and assets related documents can well be submitted online itself. Although offline support is available and closing can also be done in person.

How to apply for a Guild Mortgage loan

Here is the entire loan application process that would give you a blueprint of how to go about Guild Mortgage loan application

Necessary documentation required

For the initial online application with Guild Mortgage, no documents are required; however, the actual mortgage application will require the following documents:

  • The Social Security card and a valid ID
  • Two years’ worth of tax returns (W-2 and 1099 forms)
  • Evidence of income from the previous month or earlier
  • If relevant, letters requesting child support, alimony, or down payment gifts
  • Bank statements for each of your investment, savings, and checking accounts
  • Rent, a mortgage, other loans, and medical expenses are included as monthly debt obligations.
  • If applicable, a history of rent payments

Checking your Credit score

It’s important while you are seeking a loan to provide details of your credit score and if it is bad then you will be going through a hard time in finding one and no institution vests their interests on borrowers with a bad credit history. Before you apply make sure that you know what your credit score is and the potential APR that you may have to pay. The higher the credit score, the lower the APR.

Get your Prequalification

Now, once you are cognizant of your credit score, you can finally embark upon the journey of knowing their loan requirements. Some will list the required credit score on their websites while others won’t.


Now, the next thing you may want to do is compare different offers based on the factors consisting of Estimated APR, fee and penalties, loan amount and length, monthly payment collateral required or not. All of this will help you settle down on a loan offer.

Also Read: Guide to apply for Caliber Home Loans for instant home loan approval

Formal application

Now, the stage comes where you will have to apply through the lender. This process would require a hard credit check or hard pulls which can impact your credit score for they will be

assessing your credit history and making a note of their officials all the way

into your credit reports. However, it lasts only for 2 years in your credit report and can impact it for only a year.


Now, after all the inquiry you will finally be able to receive your funds via simple signing a loan agreement that would not require much of a hassle as it will be done online. Don’t’forget to go over the terms and conditions before you make those strokes.

Guild Mortgage: an overview

What you need to know before applying for a Guild Mortgage loan via Guild

Before we embark on the unappealing journey of Guild Mortgage application, being a financial product it is incumbent upon us that we provide you with a brief overview that may help you compare its services and different mortgage offerings with other online lenders.

Pros for opting Guild Mortgage as your lender

  • Customer convenience

The reason why people avert their gaze from traditional lending is the unyielding and daunting paperwork that they have to go through and that too intertwined with the lack of an expert becomes nauseating often. With Guild mortgage, you will have 3 options, whether you want to apply for Guild Mortgage online via, via phone, or if you have a penchant for the in-person loan application then they have their physical existence in the form of branches as well in 33 states and does not operate in New Jersey and New York in Totality.

  • Too many options on the table

The list of products offered by Guild Mortgage doesn’t confine to conventional loans alone. It also includes:

  1. FHA (Federal Housing Administration)Loans
  2. VA (Veterans Affairs) Loan
  3. USDA (US Department of Agriculture) Loans
  4. Refinance loans
  5. Cash-out refinance loans
  6. Renovation loans
  7. Jumbo loans
  8. Fixed-rate loans
  9. Manufactured home loans
  10. Adjustable-rate loans
  11. Reverse mortgage
  12. Bridge loans
  • Ease of convenience in the online Guild Mortgage application process

Once you log in to your guild mortgage account, an application via guild mortgage is deliberately made to be minimalistic. In this step, everything from documents upload to gleaming of assets and income information along with submission is offered by Guild mortgage with a paperless loan application process guarantee via

Author’s Choice: Easy and simple Stearns Lending Loan Application guide

Cons for opting Guild Mortgage as your lender

  • Devoid of home equity loan products

Well, as it turns out Guild Mortgage doesn’t have every financial product in its inventory as suggested by the fact that it doesn’t offer home equity loans.

  • No display of interest rates on their website and high origination fees

Before you apply for Guild Mortgage loans via Guild, the very important thing that would invigorate your borrowing decision is the fact that how much interest rate would you have to pay or what’s going to be your lender fee. But, they do offer product by product minimum credit score that you would require in order to get approved. It is:

  1. For conventional loans: 620
  2. For FHA loans: 540
  3. For VA loans:600
  4. For Jumbo loans:680

Closing costs on the Guild Mortgage loans include an origination fee. The company claims that the origination fees are subject to variance as per the market and may consist of $275 for documents preparation, $350 for underwriting, $295 for administration, and lastly a $500 processing fee.


Guild Mortgage is indeed a prolific mortgage lender for those customers who are beelining for good customer service as well as those who are novice to the borrowing game. When it comes to the Guild Mortgage loan application process, it is as easy as it can be. Once you head to their website you will find various educational material yourself that will help you make more informed choices and of course, once you have opted for them as your lender the loan officer will be in touch with you via phone or email and will escort you through the process.


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