Maria The Mortgage Lender

09/04/2026

A lot of buyers are waiting.

Waiting for rates to come down.
Waiting for prices to drop.
Waiting for more homes to hit the market.
Waiting for less competition.
Waiting for the “perfect” house.

The problem? Those things rarely happen at the same time.

When rates drop, more buyers tend to enter the market. More buyers can mean more competition. When competition is lower, you may have more negotiating power—even if rates aren’t exactly where you want them.

That doesn’t mean you should buy a house just because you can.

It means instead of asking, “Is this the perfect time to buy?” ask, “Is this the right time for me?”

Your budget, your plans, and your financial goals matter more than trying to perfectly time the housing market.

Sometimes the answer is buy. Sometimes the answer is wait. My job is to help you understand the numbers so you can decide which one makes sense for you.

09/04/2026

4.75 star review received on Experience.com for Maria Genualdi by Selena C - I had a GREAT experience with Guild Mortgage from start to finish. The entire process was smooth, professional, and well-organized. The team was responsive, knowledgeable, and always willing to answer my questions and explain each step clearly. As a first-time homebuyer, I truly appreciated the guidance and support throughout the process. They made what could have been a stressful experience feel much easier and more manageable. I’m extremely grateful for their hard work and would definitely recommend Guild Mortgage to anyone looking for a reliable and supportive mortgage team.

Click to see all 25 reviews of Guild Mortgage - Maria Genualdi, Loan Officer | NMLS # 2165778

08/31/2026

Sometimes the right house really does wait for you. 🏡

My client found the perfect home right before she had to go outbidbthe area for work. There simply wasn’t time to put in an offer before she left, so she had to walk away and hope another opportunity would come along.

Thirty days later, she came home—and the house was still available.

With the help of Raul Brito, she put in the offer, and today she gets the keys. I’d say this one was meant to be.

And the timing got even better. We were able to use the Georgia Dream VA Peach program with a 4.875% interest rate!

The right house. The right timing. And a great team behind it.

Congratulations to my buyer on her new home, and thank you Raul for trusting me with the financing.

And a big thank you to Deborah and Glenda for everything they did behind the scenes to get us to the closing table. Another great closing with my Guild Mortgage team. 🏠

08/07/2026

5.0 star review received on Experience.com for Maria Genualdi by Sitha G - Absolutely amazing experience from start to finish. Great communication, very understanding, and willing to do whatever she could. Will Absolutely be recommending to others and using for future purchases!

Click to see all 23 reviews of Guild Mortgage - Maria Genualdi, Loan Officer | NMLS # 2165778

07/23/2026

One of the biggest barriers to home ownership is the down payment. Did you know the City of Savannah offers down payment assistance to its employees? If you're a City employee, call me. Let's see if you can take advantage of this program and become a homeowner before summer is over!

06/22/2026

6 Months In, 6 Months Left
NAR Chief Economist Lawrence Yun on the Rest of 2026

Dr. Yun will break down where the market has been, where it’s headed next, and what agents and lenders need to understand going into Q3 and Q4.

Here’s what we’re covering:

• Key economic signals shaping the 2026 market
• What rates, inventory, and buyer/seller behavior actually mean right now
• How to adjust your strategy for Q3 and Q4
• Why right now is the moment for smart, informed action

Registration required. DM me for the link.

06/20/2026

Mega Open House

1 Neighborhood, 9 Houses - today only!

📍 Palmer Place Subdivision, Ludowici GA
🗓️ Today, 11AM–2PM

I’m onsite as your lender, ready to talk numbers, rates, and what you can actually afford — no stuffy bank appointment needed 😎

If you missed it, don’t sweat it — more to come. But for now…

👉 Tag someone who’s house hunting and send them this way!

06/18/2026

If you haven’t filed your taxes yet, don’t ignore it — especially if you’re planning to buy a home.

You may need to file an extension, pay what you owe, or set up a payment plan.

Mortgage approvals can get complicated when tax filings or tax debts are unresolved, so it’s better to talk through it early instead of waiting until you’re under contract.

The cleaner the plan upfront, the smoother the closing.

06/17/2026

The right time is not always about the market—it is about your numbers, your options and your long-term goals.

Let’s run the numbers before you decide to wait. 🏡

06/04/2026

Forever home under contract.

This one feels special.

Not because the house is perfect on paper.
Not because the process is always simple.
But, because the right plan can make the path home feel a lot more clear.

When I work with a buyer, I am not just looking at whether they can get approved.

I am looking at the full picture:

Can this payment work comfortably?
Does the loan structure make sense?
Are we setting up this the right way from the start?
Will this help them move forward with confidence instead of stress?

Because getting under contract is exciting, but getting there with a plan that actually supports your life is what matters the most.

A forever home is more than four walls and a roof.

It is where the next chapter starts.
It is where routines are built.
It is where families gather.
It is where life starts to feel a little more settled.

And here in the Lowcountry, home has a way of meaning more.

So yes, I love seeing the words under contract.

But I love it even more when the buyers feels prepared, confident, and clear about the decision they are making.

The right plan can lead you home.