SmartRatesUSA
Mortgage Lender Review🔑 Best for 1% Down

Guild Mortgage

Online Lender

30-yr fixed APR around 6.72%. First-time buyers who want a low down payment option with local, in-person loan officer support.

At a Glance

30-Yr Fixed APR

6.72%

15-Yr Fixed APR

6.08%

Min. Credit Score

580

Min. Down Payment

1% (Guild 1% Down)

Lender Type

Online Lender

Avg. Closing Time

30–45 days

Key Features

Guild 1% Down program helps qualified buyers purchase with just 1% down

Nationwide branch network paired with the MyMortgage digital app

Publicly traded (NYSE: GHLD), top-10 U.S. retail mortgage originator

Pros & Cons

Pros

  • Low down payment option for first-time buyers
  • Local loan officers in branches across most states
  • Wide range of loan programs including USDA and renovation loans

Tradeoffs

  • Rates aren't published online; requires contacting a loan officer for a quote
  • Fees and pricing can vary by branch and loan officer

Best for: First-time buyers who want a low down payment option with local, in-person loan officer support

Frequently Asked Questions

What credit score do I need for a mortgage with Guild Mortgage?

Guild Mortgage generally works with borrowers around 580+, though the exact rate and approval odds depend on your full credit profile, down payment, and loan program.

What loan types does Guild Mortgage offer?

Guild Mortgage offers Conventional, FHA, VA, USDA, Jumbo, Refinance. Availability can vary by state and property type, so confirm your specific loan program directly with the lender.

Does Guild Mortgage charge lender fees?

Guild Mortgage charges standard lender fees as part of closing costs — ask for a full Loan Estimate to see the exact breakdown before committing.

Other Mortgage Lenders

Rocket Mortgage

6.75% 30-yr fixed APR

Better Mortgage

6.49% 30-yr fixed APR

Navy Federal Credit Union

6.35% 30-yr fixed APR

Rates shown are illustrative national averages for 2026 and change daily based on market conditions, loan amount, credit score, and property type — always confirm current rates directly with the lender.

← Compare all mortgage lenders