OUR COMMUNITY CHAMPIONS PROGRAM
PROUDLY SERVING ACTIVE OR FORMER
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Military
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Law Enforcement
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Firefighters
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Educators
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Healthcare
Those who serve, protect and care for our communities deserve a reward for their hard work. We're proud to give back to these everyday heroes by providing specialty mortgage financing to minimize their costs and simplify the loan process when buying or refinancing a home.
THREE-TIER OUR COMMUNITY CHAMPIONS PACKAGE
KEY PROGRAM BENEFITS INCLUDE
Lower Your Payment for One Full Year
With the Payment Advantage program, Guild Mortgage will cover 1% of your interest rate for the first year.
- Lock in a Conventional mortgage, and we’ll pay 1% of your interest rate for one year with a lender-paid buydown. *For example of monthly savings, see loan scenario below.
- Get a predictable payment increase after the first year
- If you qualify, you may be able to refinance at a later date with our Payment Protection program. Click here for Payment Protection program full terms and conditions.
Conventional financing options:
- Primary purchase transactions
- As little as 3% down
- Credit scores as low as 620
- First-time homebuyers and repeat buyers are eligible. Click here for full terms and conditions.
*Sample loan scenario shown for educational purposes (rate may not reflect current market conditions): Sales Price: $600,000; Loan Amount $582,000, 3% Down Payment: $18,000; Fixed Interest Rate: 6.99%; Annual Percentage Rate (APR): 7.135%; Year 1 Principal and Interest Payment: $3,485.64 (payment does not include taxes and insurance); Seller or 3rd Party Buydown Fee $4,590.12 (Paid by either seller and/or 3rd party); Monthly Buydown Savings -$382.51; Total Monthly Payment $3,485.64; Year 2 Monthly Payment $3,686.15; Purchase Transaction: 740 Credit Score; Single Family Residence.
$500 Visa® Reward
Reward yourself with a Visa® gift card mailed to your home address after Closing.*
Secure Your Earnest Money
with Credit Approval Protection
We pay up to $5,000 in earnest money and $1,000 for inspection and appraisal fees if we can’t close your loan, due to our error.
Guild Mortgage's
GreenSmart Advantage Program
Include the cost of energy-efficient home improvements into your loan.
Homebuyer Express
17-Day Closing Guarantee
We pay $500 towards closing costs if your loan doesn’t close on time due to our delay.
*Homebuyer Express Closing Guarantee not available in Oregon.
Click here for details.
No Lender Fees
We do not charge lender fees which can save you up to $1,500**
3-2-1 Home Plus Program
First-time homebuyers with low-to-moderate income, bring a 3% down payment receive a $2,000 eGift Card, plus $1,000 - $2,500 toward closing.
PAY IT FORWARD WITH AN AGENT-OFFERED BENEFIT
‘BUYERS CHOICE’ CHARITY DONATION
Pass on the kindness to your most-valued charity — courtesy of your agent.
Giving is multiplied with this add-on benefit from our Community Champions partnering agents. A $1,500 donation will be made to the approved charity for your designated Community Champions industry. Each approved charity has been carefully vetted by our team.
OUR CHARITABLE PARTNERS
Click the logos below to learn more.
READY TO GET STARTED?
ENTER YOUR CONTACT INFORMATION
Thank You
A PROGRAM DESIGNED FOR CHAMPIONS, BY CHAMPIONS
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Jimmy Kinley
Senior Mortgage Originator
NMLS#: 287498
Phone: 720-261-1410
Licensed to originate: CO, TN
Reviews
JIMMY KINLEY, U.S. MARINE CORPS
With two decades of experience in the mortgage industry, Jimmy is a recognized expert in home financing and a dedicated mortgage partner to his clients. With a family legacy in real estate, Jimmy began his career in the industry as a real estate agent. He quickly saw an opportunity to improve the level of service provided by mortgage lenders and was committed to building a business focused on the needs of his clients and partners.
Jimmy’s deep knowledge of loan programs allows him to support clients with a variety of home financing options. As a U.S. Marine, he takes great pride in assisting veterans with VA loans. His in-depth understanding of VA loans far exceeds that of many loan officers, and he enjoys working with veterans to reach their home ownership goals.
Born in Tennessee, Jimmy moved to Colorado over 20 years ago, and he enjoys spending time with his wife and two sons. Outside of the office, you can find him fishing with the family, snowboarding, and golfing.
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Rick Koble
Senior Mortgage Originator
NMLS#: 265290
Phone: 303-488-0471
Licensed to originate: CO
Reviews
Rick Koble, Your Mortgage Lender
With more than 15 years in the mortgage industry, Rick is a leading expert in residential lending for home buyers and home owners. Providing solutions, guidance, and expertise is the foundation for helping his clients achieve their dreams of home ownership.
Rick shares his knowledge through a consultative approach to lending, matching his clients' needs with the appropriate loan program. He is a problem solver and loves finding creative and innovative solutions to help his clients achieve their home financing goals and set them up for future financial success. A decorated Army war Veteran, Rick specializes in VA loans, and he enjoys helping those who have served access home ownership.
Born and raised in North Dakota, a love for the outdoors brought Rick to Colorado in 1995. In his free time, he enjoys spending time boating with friends and family at his lake property. Rick has an energetic German Shorthaired Pointer, who is the office dog, and greets everyone at the door.