Our Services:

Tom Holyfield and Guild Mortgage are here to help you finance your home sweet home. Tom brings his vast industry expertise and excellent customer service to you to to ensure you are getting the right loan for you. With his dedication to his customers and his knowledge of the mortgage industry, you can rest assured that you will get the most personalized experience for your situation.

*First-Time Home Buyers*
*100% Financing* *Tex Vet/VA* *Investment Property Financing*

FHA Home Loan:

  • Must credit qualify with a mid-credit score of 580
  • Low down payment of 3.5%
  • Up to 6% seller paid closing costs assistance

Conventional Home Loan:

  • Must credit qualify with credit scores as low as 620
  • Opportunity up to 97% financing
  • Primary, second home and Investment properties
  • NO mortgage insurance on loans under 80% LTV

VA Home Loan:

  • Must credit qualify with a mid-credit score of 540
  • Offers 100% financing (NO DOWN PMT) to active and non-active military and army servers


  • Must credit qualify with a mid-credit score of 540
  • Income limits apply
  • Offers 100% financing to those purchasing a home in a USDA define eligible rural area, which includes outside city limits


  • Switch from an adjustable to a fixed rate
  • Lower your existing fixed rate
  • Cash-out refinance allows you to receive money from equity you’ve put into your home
  • Change the term of you current mortgage (Ex: Switch from a 30 to 15 year)
  • FHA Streamline refinance
  • VA IRRRL refinances offered

*All loans subject to underwriter approval terms and conditions may apply.
Subject to change without notice

Please contact us for more information

Mobile Home Financing is Now Available!