Continuing communication throughout the rest of the process brings my clients peace of mind and confidence they’re getting what they want. People tell me my communication focus has made their home-buying or refinancing experience far less stressful than any of their past experiences.
Your 1st CHOICE USDA home loan lender!
Guild Mortgage's USDA home loan program provides 100% financing for low-to moderate- income homebuyers wanting to buy a home in a rural development area in Utah.
Affordable government-backed loans for homebuyers in rural areas
Utah USDA Mortgage Service Center
100
financing
%
down payment
NO
65 W 200 N Ste 3 Spanish Fork, UT 84660
Direct: 801.477.0077 | Fax: 888.819.5426
Email: southvalleyteam@guildmortgage.net
Low rates and fees
We offer competitive rates and closing costs.
Direct lender
Our mortgages directly from us to you.
Quick closing times
No need to lose your cool. We close loans in record time.
Easy application
No complicated forms and unnecessary paperwork.
“Our goal is to ensure that each person obtains a carefully-tailored loan program that fits their short- and long-term financial plans.”
Brad Mabey
Branch Manager, Guild Mortgage
USDA home loans
Program benefits:
- 100% financing on a fixed-rate loan, based on the appraised value of the home.
- One-time 1.0%* guarantee fee may be included in financing.
- Monthly .35%* USDA fee is included in the monthly payment and is often less expensive than private mortgage insurance.
- No down payment required.
- Competitive interest rates.
- Lender fees and closing costs (including prepaid funds) may be contributed by the seller, or may be eligible to include in the loan, depending on the appraised value.
- Gifts or grants permitted from family, friends, and non-profit agencies.
Program eligibility and property requirements:
Both first-time and experienced homebuyers may take advantage of a USDA home loan, provided they meet the following qualifications:
- Income limits cannot exceed the USDA's Rural Development Single Family Housing Guaranteed Loan Program income limits for the area.
- Eligible properties include existing single-family homes, new construction, modular homes, planned unit developments (PUDs), and eligible condominiums.
LO State Lic #5726311 | Corp State Lic #MLCO-5491140 | Corp NMLS #3113
Brad Mabey (NMLS #262718) is authorized to do business in the states of Idaho and Utah. Guild Mortgage Company; Equal Housing Opportunity; AZ BK #0018883; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; MA Mortgage Lender License #MC3274; MA Mortgage Broker License #MC3274; Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the N.J. Department of Banking and Insurance; NV Mortgage Company #1141; OR ML-176; Rhode Island Licensed Lender; Rhode Island Licensed Third-Party Loan Servicer; Company NMLS ID 3274. www.nmlsconsumeraccess.org/. All loans subject to underwriter approval. Terms and conditions apply, subject to change without notice. Guild Mortgage Company is an Equal Opportunity Employer. Guild Mortgage Company 5887 Copley Drive, San Diego, CA 92111; For more licensing information, please visit www.guildmortgage.com/licensing.
