Tag: DTI

Most people think about credit scores when they’re getting ready to apply for a mortgage. But there’s another number that’s […]

One of the most important acronyms in the mortgage and real estate industry is DTI (Debt-To-Income). Learn what DTI is, and why it’s important in determining how much mortgage financing you might receive.

Blog Disclosure

Carol Flanagan is a licensed mortgage agent in Oregon for Guild Mortgage Company; Licensed by Department of Consumer & Business Services Division of Finance and Corporate Securities, MLO-111078. The postings on this blog don't necessarily represent the positions, strategies or opinions of Guild Mortgage Company or its affiliates. This information is not guaranteed to be accurate and shall not be construed as a guarantee of loan approval. All loans are subject to underwriter approval, and are subject to change without notice.

The information provided herein has been prepared by a third party company and has been distributed for education purposes only. The positions, strategies or opinions of the author do not necessarily represent the positions, strategies or opinions of Guild Mortgage Company or its affiliates. Each loan is subject to underwriter final approval. All information, loan programs, interest rates, terms and conditions are subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.

Words of Praise

Carol and her team are amazing. Highly professional, friendly, dedicated and communicative through every part of the financing process. Everything was explained clearly and no one ever made me feel foolish for asking questions and all requests for information were fulfilled within hours. The documentation process was easy and smooth. They went the extra mile to keep our closing on time, even with several last-minute hiccups on the seller’s end. Everything went just as we were told to expect. In such a fast paced housing market, having Carol’s team on our side was a huge asset, especially for first-time home buyers like us.

Zoe

Carol went above and beyond to help us get our first home loan. She was knowledgeable, easy to work with, quick to respond, and got us a great rate. We would absolutely recommend working with Carol and Guild!

Eric M.

I am so happy I had Carol and her team on my side throughout the whole mortgage process. Being a REALTOR® myself, I knew that Carol was reputable, however, as a first-time homebuyer I can honestly say that I couldn’t imagine going through this process with anyone but Carol and her team of highly professional, detail oriented, informative, and compassionate people. From beginning to end I was educated, counseled, protected, and represented to the highest of standards in the real estate industry. These guys are top notch!! I would highly recommend them to my clients, family, and friends!

Lila

Never will I go anywhere else for financial guidance and care while purchasing a property- The whole team at Guild mortgage are beyond professional, respectful, friendly, personable, and attentive to detail and make you feel at ease and taken care of during a stressful event like buying a house. Thank you Carol, Tonya, and everyone at Guild Mortgage for making this experience so smooth and stress free for me!

Amy

My experience with Guild was great! I found Carol Flanagan, Tonya Hecker, and the entire team at Guild Mortgage to be attentive, diligent, and thorough throughout the loan process. I highly recommend them.

Tag: DTI

What is DTI and Why is it Important?

Mortgage 101: Understanding Your Debt-To-Income (DTI) Ratio

Words of Praise

Zoe

Eric M.

Lila

Amy

Karen