Start building equity—on us. Guild will pay 2% of your down payment* and you only pay 1%, with our 1% Down program.

The 1% Down program is for:

• First-time or repeat homebuyers

• Credit scores 620 or higher

• Low to moderate income earners

• Single family primary residences

How to buy a home with 1% Down:

• Connect with a loan officer by completing the form

• Complete an application

• Take a homebuyer education course

*Guild Mortgage to cover 2% of the required minimum down payment amount in the form of a non-repayable grant with a maximum grant amount of $5,000. Changes to the loan parameters, including but not limited to the loan amount, owner-occupancy status, loan to value and other factors may render the borrower ineligible for the program. Eligibility is subject to the program guidelines. The grant may only be used for the borrower’s cash investment in accordance with the program guidelines. Must lock rate on or after 1/2/2025. Not available with any other discounts or promotions. Offer cannot be retroactively applied to previously closed loans or loans that have a locked rate.

All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.

If you’re not yet mortgage-ready, your path to homeownership starts here. The MyPath2Own program helps first-time homebuyers become mortgage-ready by combining a personalized homeownership plan, homebuyer education and assistance of up to $4,000 that can be used toward a down payment or closing costs.

This unique program combines financial and homebuying education, as well as counseling, to ensure that you’re not only financially ready to purchase a home—you’re also able to take advantage of the wealth-building opportunities homeownership brings over the long-term.

At Guild Mortgage, unqualified buyers aren’t turned away; they’re given a plan to become a homeowner. MyPath2Own was specifically designed for those without enough down payment savings, a lower credit score, not enough employment history and a lack of knowledge about the homebuying process. MyPath2Own provides the resources to overcome these challenges, giving hope to every homebuyer.

Here's how to get mortgage-ready with MyPath2Own:

1. Get started by reaching out to one of our loan officers—they'll evaluate your financial situation, learn your goals and help customize your homeownership plan. If you do not qualify for a mortgage today, your loan officer will put you on the journey to become mortgage-ready.

2. Next, you'll prepare with online money management and homebuyer education classes*, through our partnership with eHome America. These classes will help you gain a better understanding of the planning and resources you need to become a homeowner.

3. After you complete all the classes and can qualify for a mortgage, you'll be eligible for down payment / closing cost assistance up to $4,000**. Your loan officer will work with you to create the best financing options to bring your homeownership plan to the finish line.

Yes, it’s possible to buy a home with Zero Down payment. For those without the savings for a down payment, Guild offers a Zero Down program. It combines an FHA mortgage with a second mortgage to cover down payment and closing costs. You could potentially buy now, with little to nothing out of pocket.

Our Zero Down program is for:

• First-time or repeat homebuyers

• Credit scores of 600 or higher

• Primary home purchases

How to buy a home with Zero Down:

• Connect with Team Bruce

• Complete an application​

• Get pre-approved for an FHA first mortgage

• Receive a 3.5% or 5% down payment assistance (DPA) repayable second mortgage to cover down payment and/or closing costs, or a 3.5% DPA second mortgage that doesn't need to be repaid

• Choose whether to reduce your interest rate for the first year using a temporary buydown

The Zero Down program is not affiliated with HUD. This program pairs a second mortgage for the down payment and/or closing cost with a standard FHA-insured first mortgage. Second lien can be 3.5% or 5% of the purchase price. FHA standard loan limits apply

*Guild Mortgage is not licensed in the state of New York.

**Borrower must meet program eligibility and qualify based on the note rate of the program. Seller participation may be required to pay for the buydown costs. Temporary buydown is applied to the first lien only.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deductions.

Home Advantage DPA

• Statewide Washington assistance typically paired with a Home Advantage first mortgage. Usually helps with down payment and/or closing costs through a second mortgage/HFA structure

  • Primary residence purchase typically required

  • Must qualify for the associated first mortgage

  • Income limits may apply depending on current program terms

  • Homebuyer education may be required

  • Funding availability should be confirmed

• Best for buyers who want a broad statewide option and need help with upfront cash to close

House Key Opportunity DPA

• Washington assistance typically designed for lower-income households and generally paired with a House Key first mortgage

  • Primary residence usually required

  • Lower income limits typically apply

  • Must qualify for program first mortgage

  • Homebuyer education may be required

  • Program/property restrictions may apply

• Best for lower-income buyers who need more structured affordability support

House Key Veterans DPA

• Assistance intended for eligible veterans, and potentially certain surviving spouses, to reduce upfront purchase costs.

  • Must meet program veteran eligibility rules

  • Must occupy as primary residence

  • Must qualify for first mortgage

  • Income and education requirements may apply

  • Funding/program status should be confirmed

• Best for eligible veterans who need help with down payment or closing costs

House Key State Bond DPA

• Bond-related Washington housing agency assistance tied to a House Key bond first mortgage

  • Must qualify for the bond first mortgage

  • Income and purchase price limits may apply

  • Primary residence occupancy typically required

  • Homebuyer education may be required

  • Funding must be confirmed

• Best for buyers who fit bond-program income limits and want a traditional state housing option

House Key ARCH DPA

• Targeted assistance connected to participating ARCH areas, generally for buyers purchasing in specific local jurisdictions.

  • Property usually must be in an eligible ARCH location

  • Income limits typically apply

  • Primary residence required

  • Local agency restrictions or resale terms may apply

  • Must qualify for associated first mortgage

• Buyers purchasing in eligible Eastside/King County ARCH-served areas

House Key Opportunity – Seattle

• Seattle-targeted assistance through state/local housing program coordination.

  • Property location typically must be in Seattle-eligible area

  • Income limits usually apply

  • Primary residence required

  • Education/counseling may be required

  • Must qualify for the first mortgage

• Best for buyers purchasing in Seattle who need local-market affordability support

House Key Opportunity – Tacoma

• Tacoma-focused down payment assistance for eligible buyers.

  • Property typically must be in Tacoma program area

  • Income limits usually apply

  • Primary residence required

  • Education may be required

  • Must qualify for first mortgage and local program rules

• Best for buyers targeting Tacoma who need help with cash to close

House Key Opportunity – Spokane

• Spokane-area targeted assistance for eligible homebuyers.

  • Property typically must be in eligible Spokane area

  • Income limits and possibly purchase price limits may apply

  • Primary residence required

  • Education may be required

  • Must qualify for first mortgage

• Best for buyers purchasing in Spokane who need local DPA support

Covenant Homeownership Program

• Washington special-purpose assistance program designed to expand access for eligible buyers under the state’s program rules.

  • Must meet the program’s specific eligibility criteria

  • Income limits typically apply

  • Primary residence occupancy required

  • Homebuyer education is typically required

  • Must qualify for the first mortgage and provide required documentation

• Best for buyers who may qualify for specialized Washington assistance and may need a larger DPA amount than standard programs