Build with confidenceBuild with Guild

Guild /gild/ (n.) 1: an association of people with similar interests or pursuits; 2: a group of skilled craftsmen in the same trade, formed to promote forward thinking, quality products, and a communal spirit

Builders choose Guild for our people

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Started by oneBuilt by many

Present

Homebuyer advocates The company began working to expand affordable housing finance options.

1970s

1960s Created for home buildersMartin Gleich founded Guild Mortgage as the finance arm of a home builder.

1980s–2000s Nationwide expansion Guild opened branch offices across 25 states under the continued leadership of Martin Gleich. We now have nearly 300 offices across 28 states. In 2007, CEO Mary Ann McGarry and COO Terry Schmidt led a management buyout.

2007–2017 Unprecedented growth Guild’s strong foundation and platform allowed the company to take advantage of the market dislocation and grow. During this period, Guild increased its market share by expanding its operational capacity and sales team.

© J. Paul Getty Trust. Getty Research Institute, Los Angeles (2004, R.10).

Builders choose Guild for our people

Coast-to-coast care As we expand nationally, we remain passionate about personalizing service for each of our customers and yours. We work toward the best outcome for every situation and every borrower.

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Why Guild?

Fast, up-front credit approval from a direct lender*

Builder-specific appraisal panels that are experienced in the complexities of new construction

Local support and fulfillment teams focused on builder transactions and workflow

Common-sense underwriting

Highly efficient operations team that uses a practical and flexible approach to challenge resolution

Escrow holdbacks available for weather and non-occupancy related items

No overlays on core products

In-house condo approval services

Sales education training and support for your team

Joint Venture opportunities

* A credit approval entails a thorough review of the borrower’s complete loan application and credit report, resulting in the issuance of an automated loan approval. The loan must still receive full underwriter approval prior to close.

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We have a long track record of closing on time.

Buyers receive credit approval, not pre-qualification, within 24 hours of receipt of required docs.

We reciprocate. We refer homebuyers to our builders to show our commitment to your success.

You’ll receive weekly status reports on leads and we provide rate sheets to community representatives.

We send automated loan status emails in addition to a verbal loan status update each week.

Our commitment to you:

You are always our top priority

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Whether you’re a nationally recognized company or a small community builder, we provide direct support and communicate proactively with your entire team.

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We know the drillDedicated builder teams

Builder teams are trained specifically to handle new construction transactions.

Support and coaching for buyers

Our loan officers are there to help mitigate the worries of new homebuyers throughout the many stages of new construction.

Options financing and deposits

Our loan officers and loan processors put buyers’ minds at ease regarding the options selection and deposit process.

When to order an appraisal

Our team creates specific timelines on all transactions to make sure no process falls through the cracks. Appraisals are ordered with time to spare.

Flexibility with final loan document signing

We allow buyers to sign their final loan documents and prepare for funding prior to receiving the Certificate of Occupancy and final appraisal inspection.

Certificate of Occupancy exceptions

Guild allows exceptions to fund if we know that the Certificate of Occupancy, or local equivalent, will be in hand soon.

Our loan programs and builder highlights

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Conventional, FHA, VA, and USDA loans

Affordable housing programs from Fannie Mae and Freddie Mac

Hundreds of down payment assistance programs

Jumbo loans to $3 million

Delegated Jumbo underwriting

Non-warrantable condo financing

Reduced PMI rate for many of your buyers

Extensive investor network to complement our diverse menu of products

Special programs for doctors, teachers, first responders and other professionals*

* Program availability varies by state. Reach out to your local loan officer for details.

Peace of mind for you and your buyersOur rate lock programs keep your buyers protected while building a home.

Security Upfront lock commitment fee extends the lock period on new construction purchases*

Stability Rate lock protection ensures your buyer’s new home will remain affordable regardless of interest rate fluctuations

Flexibility Float down option from 15 to 30 days prior to closing with full loan approval

* The upfront fee may vary and is non-refundable in most states. The upfront lock in fee may be applied as a lender credit or a reduction in closing costs fees in the amount equal to the original fee collected. Lender credits are subject to the maximum contributions allowed and minimum borrower contributions per program requirements.

** No upfront lock-in fee on VA loans. Conventional/Conforming and FHA loan accounts only.

Conforming Conventional, FHA, and VA loans**

Up to 240-day interest rate lock-in

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Our record of success

Ranked #1 “Highest in Customer Satisfaction with Primary Mortgage Originations” — J.D. Power 1

#1 HFA lender in the nation in 2016 ²

Top 10 in VA purchase closings in 2016 and 2017 ³

A 96% rating in customer satisfaction companywide ⁴

1Guild Mortgage Company received the highest numerical score in a two-way tie among 23 lenders ranked in the J.D. Power 2017 Primary Mortgage Origination Satisfaction Study, based on 5,893 total responses, measuring the opinions of customers who originated a new mortgage or refinanced within the past 12 months, surveyed July – August 2017. Your experiences may vary. Visit jdpower.com2Source: Fannie Mae, as of October 20173Source: U.S. Department of Veterans Affairs4Source: MortgageSAT, Q1 2017

Ranked #1 “Highest in Customer Satisfaction with Primary Mortgage Originations”

— J.D. Power

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In 2015, Guild launched Guild University, a learning platform to enhance our employees’ knowledge in all areas of life, work, family, health and spirit. Guild University encourages employee input and participation companywide. The feedback we get from our employees fosters innovation and strengthens our performance as a company.

We do what’s right. Because we care about people and we believe in being ethical in everything we do.

We lead the way. Innovation and experience help our people, clients and partners.

We strengthen community. We put people first, and go above and beyond to help one another.

We encourage inclusion. Diverse perspectives expand our thinking and ignite new ideas. Together, we shine.

We take pride in our culture

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Building stronger communities together

Guild is devoted to the communities in which we live and work. We support dozens of local and national charities through direct donations and company-supported volunteer hours. Here are just a few examples of how Guild Giving strengthens local communities.

Blue Star Mothers

Guild’s branch office in Eagle, Idaho, partners with Blue Star Mothers, a nonprofit organization for mothers of U.S. military members, to send care packages to local troops serving abroad. The Eagle Branch is proud to help keep up morale and express to our troops how grateful we are for their service.

K.I.D.S. and Youth Oasis

Last year, the Guild branch in Baton Rouge, Louisiana, helped raise $25,000 for Youth Oasis, a local homeless shelter for disadvantaged youth that promotes positive intervention.

San Diego Food Bank

Employees of Guild’s corporate and branch offices in San Diego, California, volunteered at the Jacobs & Cushman San Diego Food Bank last year, packaging boxes of food for seniors in need.

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Guild Mortgage Company is an Equal Housing Lender; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. OR ML-176; Georgia Residential Mortgage Licensee; GA #6268; NV Banker #1076/NV Broker #1141; AZ BK #0018883; Licensed by the Mississippi Department of Banking and Consumer Finance. Illinois Residential Mortgage Licensee. Kansas Licensed Mortgage Company. Licensed by the New Hampshire Banking Department. Rhode Island Licensed Lender. Company NMLS #3274. http://www.nmlsconsumeraccess.org/ All loans subject to underwriter approval. Terms and conditions apply. Guild Mortgage Company is an Equal Opportunity Employer. Guild Mortgage Company, 5898 Copley Drive, San Diego, CA 92111 | State of Missouri Principal Location: 1730 Fenpark Drive, Suite 1003, Fenton, MO 63026.

Contact Guild Mortgage for more information.

www.guildmortgage.com/builder