Homebuyer Shopping Guide
Learn the benefits of buying a home including potential equity growth, predictable costs, possible tax write-offs, freedom to renovate and decorate and so much more.
You will also learn the steps to purchasing a home. From getting prequalified, shopping for a home, appraisals and finalizing your home purchase at the closing table.
Tap to download your Home Buyer Guide below!
Wondering how much your loan would be with your target home purchase price?
Wondering how much faster you'd pay off your mortgage with an extra $50, $100 or more?
Check out my inuitive mortgage calculator with additional tax settings available for Utah and California!
Seller-Paid Rate Buydown
Learn how to use seller credits to buy down the interest rates on your mortgage over a limited period of time. Depending on the amount of seller credits you receive, you can do a 3-2-1, 2-1 or 1-0 seller-paid mortgage rate buydown. This is an AMAZING product and Scott Buehler is a seller-paid rate buydown lender.
Temporary Buydown for Jumbo
Wondering if the amazing new seller-paid rate buydown solution is available for Jumbo loans? There is! Jumbo loans are loans that exceed the conforming loan limits and this particular product we are offering goes up to a $2m loan with 90% home value financing and no MI! Learn more about our new temporary buydown jumbo product by downloading the PDF below!
3-2-1 Home Plus - Arizona, Utah & California
With as little as 3% down, you can receive a $2,000 eGift card to The Home Depot® plus $1,000 to $2,500 towards closing costs and/or down payment. This loan program by Guild Mortgage is a wonderful first-time homebuyer program. See PDF below for important restrictions and disclosures.
Disclaimer: This is not available in Nevada.
3-2-1 Home Plus - Nevada Only
With as little as 3% down, you can receive a $2,000 lender credit, plus $1,000 to $2,500 towards closing costs and/or down payment. This loan program by Guild Mortgage is a wonderful first-time homebuyer program. See PDF below for important restrictions and disclosures.
Disclaimer: This is not available in Arizona, Utah or California.
Fast and Easy Pre-Approval*!
Scott Buehler makes getting pre-approved* easy! Wondering what's needed to get started? Use this guide for a convenient list of documents to gather prior to applying for the smoothest pre-approval* process. Once I verify your debt obligations, income and assets, once qualified, a letter will be issued!
* Pre-approval is based on a preliminary review of credit information provided to Guild Mortgage which has been reviewed by Underwriting. Final loan approval is subject to a full Underwriting review of support documentation including, but not limited to, applicants’ creditworthiness, assets, income information, and a satisfactory appraisal.
Builder Extended Rate Lock
Considering building but rates have you worried? Consider a BERL (Builder Extended Rate Lock)! I don't think you should gamble with future rates while under construction and you'd probably agree. Lock your rate up to 360 days in advance, with multiple financing options available.
Enjoy a free float-down 15-30 days prior to closing if rates have improved. Download this guide to learn more.
Max Seller-Paid Closing Costs
In a buyers' market, you can often get sellers to agree to help you cover some or all of your closing costs, also known as seller concessions. In this guide, you will be able to discover the maximum seller concessions for various mortgage programs.
House Hunter Checklist
Want to keep track of the homes you view with your real estate professional? Print this house hunter checklist to track and rate your favorite features of each home you see! Includes plenty of space for notes on interior, exterior, neighborhood and more.
8 Steps to Refinance
Are you considering refinancing your mortgage? With home interest rates hitting all-time lows, this may be the best time to take advantage. I can help you change your loan program, get cash out to remodel or pay debts and so much more!
Stages of the Home Loan
While shopping for a new home can be exciting, the mortgage process can be overwhelming. Understanding each step of the home loan process can help your experience go more smoothly.
Why Guild Mortgage
See why Guild Mortgage should be your lending company of choice! From a wide choice of products, an excellent service record and so much more, Guild Mortgage is the right choice for your home loan.
7 Tips to Improve Credit
Looking for ways to improve your credit score? Any improvement can go a long way to benefiting you during the mortgage process of purchasing or refinancing a home. Download this guide to learn how.
Utah Down Payment Assistance
Need help with your down payment in Utah? At Guild Mortgage, I have access to multiple 100% financing options from USDA Rural, Utah Housing, VA and more! Check out the following Utah 100% financing home buyer programs to see which one might be a good ﬁt for you. Scott Buehler is a Utah Housing Corporation lender.
California Down Payment Assistance
Contrary to popular belief, you don’t need a huge down payment to buy a home in California. In fact, there are plenty of great programs that will allow you to buy a home without any down payment at all. See your available options with Guild Mortgage with this guide. Scott Buehler is a CalHFA lender.
Arizona Down Payment Assistance
Ready to buy a home in Arizona but can't quite save for a down payment? Scott Buehler at Guild Mortgage has many county-specific and statewide programs to choose from. See your available options with this guide. Scott Buehler is an Arizona Home Plus lender.
Nevada Down Payment Assistance
Ready to buy a home in Nevada? Scott Buehler at Guild Mortgage has "Buy in Nye" available for Nye county and a few statewide programs to choose from. See your available options with this guide. Scott Buehler is a Nevada Home Means Nevada, Home First and Home is Possible lender.
The Cost of Renting
Why build equity for your landlord when you can buy your own home and realize your dream of home ownership? I've got multiple first-time home buyer programs available.
What Makes Up a Credit Score
Learn the five categories that go into your credit score. You'll also learn the percentages to gauge important of what reflects most on your overall FICO credit score.
Interested in building your own home? Awesome! Download this guide to learn how building with a home loan works. Be sure to ask me about my extended lock or temporary buydown programs.
FHA vs Conventional
What is the difference between an FHA mortgage and a Conventional mortgage? Download this guide for a side-by-side comparison of the two popular home loan programs. Scott Buehler is a Conventional lender and FHA lender.
Buying vs Renting
Ever wanted to see the difference between buying and renting? Use this guide to discover the advantages of buying a home and the disadvantages of renting.
Homebuyer Dos and Don'ts
Wondering what you need to be aware of as you go through the mortgage process of buying a home? Here is a list of dos and don'ts to consider.
Using Seller Credits
In a buyer's market? Learn how you can utilize a negotiation tactic known as seller credits to reduce your interest rate either permanently or as a temporary buydown. Use this guide for a comparison.
What Drives Mortgage Rates
Learn the 6 main factors that impact mortgage rates when they are going up vs when they are coming down.