3-2-1 Home Plus Program

Get closer to home with Guild’s 3-2-1 Home Plus program

If you’re a first-time homebuyer with low-to-moderate income, 3-2-1 Home Plus provides down payment flexibility to get you into a home now.

  • You bring a 3% down payment
  • We give you a $2,000 eGift Card to The Home Depot®*
  • Plus, $1,000 to $2,500 toward closing**
 

An additional advantage is that you can keep your options open and consider homes with minor repair or improvement needs. With 3-2-1 Home Plus, the $2,000 eGift card to The Home Depot® gives you peace of mind knowing you have extra resources to put toward minor repairs or improvements without tapping into your cash reserves.

 

Eligibility and requirements

  • Conventional financing with 3% down payment
  • First-time homebuyers only
  • Credit score as low as 620
  • Includes 1-unit single-family residences, condos, and manufactured homes
  • Pre-Purchase counseling is required
  • Income limits apply
 

Questions? Let’s talk.

*In the state of NV, the consumer receives a $2,000 lender credit in lieu of a gift card. Payment subject to maximum allowable lender credit and minimum contribution requirements. Some loans require a minimum cash investment by the borrower, which may limit the amount of any lender credit or payment by Guild under the offer.

**Freddie Mac BorrowSmartTM down payment/closing cost assistance amounts of $1,000 or $1,250 based on Area Median Income and other eligibility criteria. Very low-income customers receive $2,500 based on Area Median Income and other eligibility criteria. $1,000 assistance applies to manufactured homes

Guild Mortgage is not affiliated with The Home Depot®. The Home Depot® is not a sponsor of this promotion. The Home Depot® is a registered trademark of Home Depot Product Authority, LLC. All rights reserved.

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.

Guild Mortgage is one of the top 10 independent mortgage lenders in the nation*, with knowledgeable residential loan officers in your Twin Falls community.

Guild Mortgage is thrilled to help our local heroes with the purchase of their new home or refinancing!

Firefighters, Police, Teachers,
Military and Medical providers
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HOME LOANS​

Guild Mortgage provides lending options for all phases of your life. Call us today to see which lending option moves you into your dream space!

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Second home

A second home may be closer than you think! Guild Mortgage is the expert in finding the best loan options for your second home goals.

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REFINANCE

Have interest rates dropped since your first mortgage? Give Guild Mortgage a call to learn about lower rates

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INVESTMENT PROPERTY

Investment Properties can be different than traditional mortgages. Turn to your experts at Guild Mortgage and we will help you navigate the process.

Guild offers expertise and personalized service for new home purchases and refinancing to every kind of borrower.

Whether you are a first-time homebuyer, upgrading, downsizing, or investing in residential real estate, we have the loan to fit your life.

Our Twin Fall Branch offers competitive mortgage rates and personalized service for new home purchases and refinancing to every kind of borrower.

The Perfect Home Loan for You

Guild Mortgage offers hundreds of loan products for a wide variety of borrowers, including first-time homebuyers, military families and rural residents. We also offer many state, country, and city housing programs that provide downpayment assistance. At Guild, we’ll work hard to deliver what matters most to you and find the loan that fits your life.

What is a VA IRRRL Loan?

The VA IRRRL is a refinance mortgage loan available to homeowners with existing VA mortgages. The VA IRRRL allows you to refinance your current mortgage interest rate to a lower rate. The VA IRRRL simplifies home refinancing by waiving the documentation typically required, including income, employment, credit, bank accounts and even an appraisal on the home. Give us a call today and see if we can lower your payment today!

First Time Buyers

Overcome credit & asset challenges to home-ownership

FHA loans are a type of government loan widely used by first-time homebuyers and people with low-to-moderate incomes. FHA loans offer down payments options as low as 3.5%. They also require upfront and annual mortgage insurance premiums.

VA Loans

Get special terms for veterans & active military

The Veterans Administration (VA) offers loans for eligible U.S. veterans, reservists, active-duty military personnel, National Guard and surviving spouses of veterans with available entitlement. VA loans often have more competitive terms than non-VA loans.

 detailed eligibility information

Rural Development

Get special financing for rural homes

The United States Department of Agriculture (USDA) provides special financing opportunities to borrowers who live in rural areas as defined by the USDA. In fact, approximately 97% of U.S. homes are located in eligible areas. To see if the area you are shopping for a home in qualifies visit the USDA Property and Eligibility Site

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Suite 300
Twin Falls, ID 83301
Hours
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Sun        closed

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