Allen Martin - NMLS 451748 - Guild Mortgage

07/24/2025

🏡 Signs You Might Be Ready to Buy a House:

🔹 You scream “That’s a mortgage!” every time you see rent
🔹 Zillow knows you better than your best friend
🔹 You’ve mentally renovated 3 houses you don’t even own
🔹 Your landlord’s beige walls are personally offensive
🔹 You’ve googled “how much house can I afford” like it’s a love language

If this feels ✨too real✨ it might be time. Let’s make home happen.

📱 903.513.9605

07/23/2025

🏠 Buydown vs. Price Drop — What Saves You More Each Month?

Let’s say you’re buying a $300,000 home with an FHA loan (3.5% down).

🔹 Option 1:

2/1 Buydown
Your rate drops for the first 2 years:
📉 Year 1: 4.75% = $2,235/mo
📉 Year 2: 5.75% = $2,414/mo
📈 Year 3+: 6.75% = $2,603/mo

🔹 Option 2:

$20,000 Price Drop (Home at $280,000, 6.75% fixed)
💰 Monthly PITI: $2,443/mo

👉 The buydown gives you the lowest upfront payments, which can help ease into your new home.

👉 The price drop gives you more long-term savings and lower total cost.

📲 Not sure which is better for you? Let’s run your numbers and see what fits your budget and timeline best!

07/22/2025

07/09/2025

07/08/2025

One late pay can cost you 💰 💰

Read that again, it says set the MINIMUM on autopay

💳 But you want to pay it off each month.

07/03/2025

🎉💰 Closing Day Win! 💰🎉

Huge congrats to my first-time buyers who not only closed on their new home 🏡 but also got part of their earnest money BACK at closing!

The right strategy can save you money and get you the keys.

Ready to make your move? Let’s chat!

06/28/2025

🗣️Hear from our CEO Terry Schmidt and HousingWire President Diego Sanchez on this week's episode of PowerHouse as they discuss the Stability, Opportunity, and Growth that makes Guild such a special company with a bright future ahead💡

06/25/2025

Conversations we LO's have daily...

Me: Hey Borrower, I got you preapproved for $275k!! Happy house hunting!!!

Borrower: Ok, I am in love with this house, it is $325k!!!

Me: But I said $275k.

Borrower: I know. :)

06/24/2025

06/23/2025

💸 What Are Seller Concessions & Why You Should Care

Let’s talk free money (kind of).
Seller concessions = the seller agrees to pay for part of your closing costs (NOT your down payment) so you don’t have to. That can include:

✅ Appraisal
✅ Title fees
✅ Rate buy-down
✅ Even your first year of insurance

📦 It’s like getting a little moving day care package—paid for by the seller.

Why now?
In today’s market, homes are sitting longer and sellers are more willing to deal. So ask for it!

What can you do with them?
Use those funds to keep more cash in your pocket or lower your monthly payment. Win-win.

Buying smart isn’t just about price—it’s about strategy.

👉 Want to see how much seller help you could get on a home you love?

DM me or text “CONCESSIONS” and let’s break it down together.