Think your credit score is holding you back from buying a home? FHA loans were designed to help buyers with less-than-perfect credit—and even those without a score—get into a home. In this guide, we break down FHA credit score requirements, how they impact your down payment and interest rate, and tips to improve your score for the best terms.

Think homeownership is out of reach because of your credit score? Think again. This guide breaks down what lenders look for, how to boost affordability, and the best low down payment programs—so you can shop with confidence and a clear plan.

Buying a home can feel overwhelming, especially with rising costs and strict requirements. But don’t worry—most hurdles have solutions! In this post, I break down six common challenges homebuyers face and share practical ways to overcome them. Whether it’s saving for a down payment, improving credit, or finding affordable homes, I’ve got expert tips to help you move closer to homeownership.

Buying your first home is exciting—but the budgeting part? Not so much. The good news: it doesn’t have to be overwhelming. In this guide, I’ll break down simple steps to figure out what you can comfortably afford, avoid financial stress, and plan for those sneaky extra costs (like maintenance and moving). Ready to make homeownership feel doable? Click to read more.

Buying and selling a home at the same time can feel overwhelming—but it doesn’t have to! This guide walks Minnesota homeowners through the process step by step, from getting pre-approved to prepping your current home and exploring bridge loan options. Whether you’re upsizing, downsizing, or relocating, here’s how to make your move smooth and stress-free.

Curious about tapping into your home equity? This post breaks down HELOCs and HELOANs — no charts, no jargon, just clear info on how they work and what repayment looks like. A must-read for Minnesota homeowners exploring their options.

Buying and selling a home at the same time? A bridge loan can help you tap into your current home’s equity to cover the down payment on your next home. In this post, I explain how bridge loans work, why they’re useful in a competitive market, and what to expect from the process.

Discover how Guild Mortgage’s BuyNow Advantage empowers Minnesota buyers to make competitive all-cash offers—even with financing. Learn eligibility, benefits, and how to strengthen your offer in today’s market

Buying a home can feel out of reach—but it doesn’t have to stay that way. From rising costs to credit concerns, this guide breaks down six common obstacles homebuyers face and offers clear, actionable ways to move forward. Whether you’re just starting your journey or feeling stuck mid-process, there’s a path to homeownership—and I’m here to help you find it

Buying your first home in Minnesota doesn’t have to be a solo mission. From gift funds to rent-to-own arrangements, family support can make a big difference. This guide breaks down six ways your loved ones can help you qualify for a mortgage and move into your dream home—with warmth, clarity, and practical advice.

Think your credit score is too low to buy a home? Think again. FHA loans are designed to help more people become homeowners—even with less-than-perfect credit. Find out what score you need, how to boost your chances, and how we can help you get the keys to your new place.

Your home’s equity isn’t just sitting there - it could be working for you. Whether you’re planning a remodel, consolidating debt, or preparing for the unexpected, this guide breaks down the smartest ways Twin Cities homeowners can use their home equity to build a stronger financial future.

Thinking about buying a home but unsure if you qualify for an FHA loan? This guide breaks down everything lenders look for — from credit scores and down payments to employment history and property standards. Whether you're a first-time buyer or navigating a lower credit score, this checklist will help you prepare and feel confident before applying.

Buying a home after divorce can be a powerful step toward independence and financial stability. This guide walks newly single individuals through the process of solo homeownership—from qualifying for a mortgage to budgeting for expenses and planning for the future.

Refinancing your home after divorce can help you take full ownership, adjust to a single income, and regain financial stability. Learn the key benefits, potential drawbacks, and how the process works so you can make informed decisions during this transition.

Dreaming of homeownership but struggling to save for a down payment? Guild Mortgage’s Zero Down program could be your solution. This innovative option combines an FHA first mortgage with a second mortgage to cover your down payment and closing costs—no upfront cash required. With flexible credit requirements, fixed-rate options, and eligibility for both first-time and repeat buyers, this program makes buying a home more accessible than ever.

A 2-1 buydown is a temporary mortgage financing strategy that reduces your interest rate by 2% in the first year and 1% in the second year before returning to the full rate in year three. This approach can make homeownership more affordable upfront, especially in a high-rate market. The blog explores how 2-1 buydowns work, who typically pays for them, and the pros and cons for buyers. It also highlights Guild Mortgage’s buydown programs and tools to help borrowers calculate potential savings and determine if this strategy aligns with their financial goals.

Buying a home without a large down payment is more achievable than you might think. From government-backed loans like VA and USDA to down payment assistance programs and gift funds, there are many ways to reduce or eliminate upfront costs. This guide breaks down the most popular low and no down payment options, who qualifies, and how to fund your purchase—even if you're a first-time buyer with limited savings.

FHA vs. Conventional loans: what’s the real difference? This side-by-side guide breaks down everything from credit score requirements to mortgage insurance so you can choose the best loan for your homebuying journey.

Thinking about buying a home? A buyer’s market could be your best opportunity. Discover the signs of a buyer’s market, how it benefits you, and what seller concessions can cover—from closing costs to moving fees.