Academy Advantage Booklet_Kim_JeffG

Academy Advantage Products

Kim Arrington NMLS ID# 218594 Manager, Diversity & Inclusion in Lending 125 Church Street Suite 320 Marietta, GA 30060 O: 678.644.6945 kim.arrington@academymortgage.com guildmortgage.com/kimarrington

Je Glick NMLS ID# 203964 Market Leader 2500 Northwinds Parkway, Bldg III Suite 150 Alpharetta, GA 30009 O: 404.915.6834 jerey.glick@guildmortgage.net glickmortgage.com

Kim Arrington is authorized to do business in the state of Georgia. Je Glick is authorized to do business in the state of Georgia. Guild Mortgage Company; NMLS #3274; Equal Housing Opportunity; www.nmlsconsumeraccess.org. All information, loan programs & interest rates are subject to change without notice. All loans subject to underwriter approval. Terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.

Searching for your next home with no down payment? We can help you buy now! Our Zero Down program can help you purchase a home with no down payment requirement. Renters can start building equity and homeowners looking to move or upgrade don’t have to wait to accumulate savings.

Program details:

• Primary residence purchase transactions only* • 96.5% FHA rst mortgage paired with a 3.5% or 5% down payment assistance (DPA) repayable second mortgage or 3.5% down payment assistance (DPA) forgivable second mortgage** • Fixed-rate loan with temporary buydown options available • Credit scores as low as 600 • No minimum borrower contribution required***

Ready to build equity? Reach out today!

Guild Mortgage Company; NMLS #3274; Equal Housing Opportunity; www.nmlsconsumeraccess.org. All information, loan programs & interest rates are subject to change without notice. All loans subject to underwriter approval. Terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction. *FHA standard loan limits apply. **Second lien can be 3.5% or 5% of the purchase price. The 3.5% or 5% DPA can be used for down payment and closing costs. ***The program pairs a second mortgage for the down payment and/or closing costs with a standard FHA insured rst mortgage. Our Zero Down program is not aliated with HUD.

Arrive home with as little as zero down Arrive Home TM is not just a mortgage program; it’s an instrument enabling a whole new life. Overcome the delays of saving for a down payment and turn your homeownership dreams into a reality.

Arrive Home TM oers 3.5 or 5 percent assistance through a repayable second mortgage, which can be used for down payment and/or closing costs. Whether you’re a rst-time homebuyer or looking to upgrade, Arrive Home TM supports your home purchase from coast to coast*.

Program details:

• Primary purchase transactions only • 96.5% FHA rst mortgage paired with a 3.5% or 5% down payment assistance (DPA) repayable second mortgage • Fixed-rate loan with temporary buydown options available • Up to 160% area median income (AMI) • Credit scores as low as 620 • First-time and repeat homebuyers are eligible • No minimum borrower contribution requiredArrive

Your dream home awaits. Reach out today to learn more!

Get $6,500 towards closing

Program details:

• No income limits apply • Conventional loan with temporary buydown options to reduce initial payments • Single family residences including condos, PUDs and manufactured homes are eligible • Free homebuyer education available • Up to a $500 credit at closing

Fannie Mae’s HomeReady First is removing barriers to homeownership Are you a rst-time homebuyer facing the challenge of saving for your down payment and closing costs? If you live within select census tracts, HomeReady First provides $5,000 from Fannie Mae and an additional $1,500 from Guild Mortgage to help make the dream of homeownership possible.

Get started on your journey home today.

Dreaming of owning a home in Georgia?

The Georgia Dream Peach Plus Loan Program can make it a reality.

Benets:

• Three categories of down payment assistance are available in the form of an interest free, deferred second mortgage:

PEN: 4% of the purchase price or a maximum of $12,500 in assistance for public protectors, educators, healthcare providers, and active military

CHOICE: 4% of the purchase price or a maximum of $12,500 in assistance for applicants or their family members living with a disability

STANDARD: 3.5% of the purchase price or a maximum of $10,000 in assistance for all other eligible homebuyers

Requirements:

• Max liquid assets of no more than $20,000 or 20% of the sales price, whichever is greater • First-time and repeat homebuyers

• FHA rst mortgage • Income and purchase price limits apply • Minimum 640 credit score

StrongStart lets you build now and save on your rst few payments! This new construction program pays your monthly interest for up to the rst ve months of your loan*. Your monthly payments will be lower those rst few months so you can focus on the important things like getting settled.

Program details: • New construction primary purchases only

• FHA nancing available with as little as 3.5% down payment • VA nancing available with as little as 0% down payment

• Homebuyer education course required • Credit scores as low as 580Consumer

Questions about whether this program is right for you? Let’s talk!

Save with 3-2-1 Home Plus With as little as 3% down, you can receive a $2,000 eGift card to The Home Depot ® plus up to $2,500 towards closing costs and/or down payment.*

The gift funds with this program can give you peace of mind knowing you have extra resources to put towards minor repairs or improvements without tapping into your cash reserves or placing constraints on the money for your down payment.

Eligibility and requirements

• Conventional nancing with as little as 3% down payment • First-time homebuyers only • Credit scores as low as 620 • Includes 1-unit single-family residences, condos and manufactured homes • Pre-Purchase Counseling is required • Income limits apply

Guild Mortgage Company; NMLS #3274; Equal Housing Opportunity; www.nmlsconsumeraccess.org. All information, loan programs & interest rates are subject to change without notice. All loans subject to underwriter approval. Terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction. *Freddie Mac BorrowSmartTM down payment/closing cost assistance amounts of $1,000 or $500 based on Area Median Income and other eligibility criteria. Very low-income customers receive $2,500 based on Area Median Income and other eligibility criteria. $1,000 assistance applies to manufactured homes. Guild Mortgage is not aliated with The Home Depot. The Home Depot is not a sponsor of this promotion. The Home Depot is a registered trademark of the Home Depot Product Authority, LLC. All rights reserved. Program not available in Nevada.

Looking for a lower initial

interest rate and no down payment requirement?

The Zero Down program with temporary buydown options* makes it possible to purchase a home today and ease into homeownership. Renters can start watching their equity grow, and current homeowners can move or upgrade without having to wait. With no down payment requirement and lower interest rate for the rst 1-2 years, you can buy now and save at the start of your loan. Benets: • No minimum borrower contribution required • Temporarily reduced interest rate on the rst mortgage for the rst 1-2 years for a more aordable monthly payment • Predictable payment increases based on the structure of the buydown • No balloon payments at the end of the loan term Details: • Credit scores as low as 600 • Fixed-rate loan with either a 1-0 or 2-1 buydown paid by the seller • 96.5% FHA rst mortgage paired with a 3.5% or 5% DPA repayable second mortgage or 3.5% DPA forgivable second mortgage** • Primary residence purchase transactions only*** Guild Mortgage Company; NMLS #3274; Equal Housing Opportunity; www.nmlsconsumeraccess.org. All information, loan programs & interest rates are subject to change without notice. All loans subject to underwriter approval. Terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction. *Borrowers must qualify based on the note rate of the program selected. The buydown cash amount can be paid by a participating seller or lender. **Our Zero Down program is not aliated with HUD. The program pairs a second mortgage for the down payment and/or closing costs with a standard FHA insured rst mortgage. Second lien can be 3.5% or 5% of the purchase price. ***FHA standard loan limits apply.

1% Down Payment Advantage

We’re committed to making homeownership possible for everyone in the current housing market. With our new program, your clients can aord to get into a home now and build equity–on us. Here’s how it works: • Borrower provides a 1% down payment toward the 3% conventional loan minimum down payment requirement. • We’ll contribute the other 2% as non-repayable assistance.* • We’ll also pay 1% of their interest rate for one year to help make their mortgage payment more aordable with our Payment Advantage lender-paid temporary buydown.** • Plus, your clients can take advantage of our Payment Protection program and qualied borrowers can renance later if rates drop.***

***For Payment Protection program full terms and conditions, visit www.guildmortgage.com/homebuyer-protection

1% Guild-paid temporary buydown

1% down payment

2% Guild assistance

Payment Protection

Program details: • Credit scores as low as 620 • AMI limits apply

• Conforming loan limits apply • 95-97% LTV rst mortgage • First-time homebuyers and repeat buyers are eligible • Homebuyer education required • Primary purchase transactions only • 1-unit properties only, including condos and PUDs

*Guild Mortgage to cover 2% of the required minimum down payment amount in the form of a non-repayable grant with a maximum grant amount of $5,000. Changes to loan parameters, including but not limited to loan amount, owner-occupancy status, loan to value and other factors may render the borrower ineligible for the program. Eligibility is subject to the program guidelines. The grant may only be used for the borrower’s cash investment in accordance with the program guidelines. Must lock rate on or after 6/12/2023. Not available with any other discounts or promotions. Oer cannot be retroactively applied to previously closed loans or loans that have a locked rate. **The Payment Advantage program is a promotional primary purchase oer on a Conventional 1-year lender-paid temporary buydown on locks from 11/10/2022 to 12/31/2024. The promotional oer will temporarily reduce the rate by one percent for the rst year of the Conventional mortgage on conforming and high balance loan limits. The lender-paid credit will fund the buydown escrow account, and the funds will be dispersed out of the buydown escrow account during the rst 12 months of the loan. For use by real estate professionals only. Not intended for public use or distribution. Guild Mortgage Company; NMLS #3274; Equal Housing Opportunity; www.nmlsconsumeraccess.org. All information, loan programs & interest rates are subject to change without notice. All loans subject to underwriter approval. Terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction. Borrowers must qualify based on the note rate of the program selected. Please contact a Guild Loan Ocer with any program questions.

Homebuyer Protection Give your buyers the condence to make their next move

Guild Mortgage has an enhanced Homebuyer Protection Package designed to ease the uncertainties of buying a home.

Buyers will know their purchase is protected with this 4-pack of guarantees

Credit Approval Protection * Get up to $5,000 in earnest money and $1,000 in inspection or appraisal fees if we can’t close your loan due to our error Lock and Shop * Lock in your rate for 120 days with a onetime oat down option No lender fee renance if interest rates drop after purchase Payment Protection Program * Homebuyer Express 17-day closing guarantee * Get $500 towards closing costs if your loan doesn’t close on time due to our delay

*Subject to requirements listed in the program terms and conditions on the back page and online at www.guildmortgage.com/homebuyer-protection. Homebuyer Express not available in Oregon.

For use by Real Estate Professionals only. Not intended for public use or distribution.

GENERAL TERMS AND CONDITIONS (APPLICABLE TO ALL PROGRAMS):

1. This is not a mortgage loan approval nor a commitment to lend, and is subject to the customer satisfying all underwriting guidelines and loan approval conditions, includingidentifying a property that is acceptable collateral to Guild Mortgage (“Guild”) and satisfying all appraisal and title requirements. 2. This only applies to loans to be funded (Lock and Shop and CAP) or funded (HBE) by Guild using conventional, FHA and VA loan programs for one to four family dwelling units only and excludes second liens, investment properties, renance loans, renovation loans, non-purchase money home equity lines of credit, interim construction loans or other temporary nancing, loans brokered to or by Guild, loans involving short sales, or any other purchase contract that requires the approval from a third party (e.g., a lender, relocation company, etc.). High balance loans are excluded from the Lock and Shop Program. 3. All payments are subject to maximum allowable lender credit and minimum contribution requirements under applicable loan programs (e.g., FHA, VA, Fannie Mae, Freddie Mac, etc., program guidelines). FHA and Rural Development regulations require a minimum cash investment by the borrower, which may limit the amount of any lender credits or payments by Guild under these oers. 4. Unforeseen circumstances adversely aecting the ability to perform will void Guild’s obligations under the Program (natural disasters, inclement weather, catastrophic event, or other major event beyond Guild’s control). Applicable law or investor requirements may impose a required waiting period prior to closing, including but not limited to a waiting period due to re-disclosure of updated loan, or TRID (TILA / RESPA Integrated Disclosure Rule) or Real Estate Settlement Procedures Act disclosure information, or delivery of an appraisal or appraisal addenda, and that waiting period may prohibit us from closing on the set closing date. 5. Guild reserves the right to amend or terminate these oers at any time except as to qualied home purchasers with submitted applications prior to the date of the amendment or termination. The oers are not transferrable or assignable. 6. All payments, if applicable, made under these oers shall be the only recourse and obligation of Guild. Any other indirect, special or consequential damages due to Guild’s failure to timely close a loan are hereby disclaimed. 7. If Guild does not perform and does not proactively provide any credits or payments required under the applicable program, you must request the funds within 90 days from closing. Any payment made under the guarantee will be reported to the IRS on Form 1099-MISC. Please consult your tax advisor regarding any tax implications. 8. These oers only apply to purchase loan applications received by Guild after April 15th, 2019.

Lock and Shop:

1. Lock and Shop Program (“Program”) will lock your initial interest rate for up to 120 days. To be eligible for the Program, borrower must complete a loan application with Guild Mortgage (“Guild”). No property address is required when completing the application. 2. Borrower must supply the fully executed purchase and sales contract within 90 days of participating in the Program. 3. This Program only applies to home purchases to be funded by Guild using conventional, FHA and VA conforming loan programs for one to four family dwelling units only and excludes high balance loans, second liens, investment properties, renance loans, renovation loans, nonpurchase money home equity lines of credit, interim construction loans or other temporary nancing, loans brokered to or by Guild, loans involving short sales, or any other purchase contract that requires the approval from a third party (e.g., a lender, relocation company, etc.). 4. There is an up-front lock-in fee (“Fee”) associated with this Program due at time of lock. The Fee may vary based on market volatility. The Fee is applicable at time of funding. If the loan does not fund, the Fee is forfeited. The Fee is non-refundable in the event of underwriting denial or Guidelines Changes. However, in California and Missouri, if the loan is denied through no fault of borrower (e.g. borrower did not make omissions or representations and did not qualify), Borrower is entitled to a refund of the Fee. 5. The Program may be amended or terminated at any time except as to qualied home purchasers with submitted applications prior to the date of the amendment or termination. The Program is not transferable or assignable. 6. Unforeseen circumstances adversely aecting the ability to perform will void Guild’s obligations under the Program (natural disasters, inclement weather, catastrophic event, or other major event beyond Guild’s control). Applicable law or investor requirements may impose a required waiting period prior to closing, including but not limited to a waiting period due to re-disclosure of updated loan, or TRID (TILA / RESPA Integrated Disclosure Rule) or Real Estate Settlement Procedures Act disclosure information, or delivery of an appraisal or appraisal addenda, and that waiting period may prohibit us from closing on the set closing date. 7. The Program is not a mortgage loan approval nor a commitment to lend and is subject to the customer satisfying all underwriting guidelines and loan approval conditions, including identifying a property that is acceptable collateral to Guild and satisfying all appraisal and title requirements. 8. This oer only apply to purchase loan applications received by Guild after April 22nd, 2022. 1. Credit Approval Protection covers the preapproval of the borrower’s credit package. Credit Approval Protection and/or Closing Costs Protection (collectively the “guarantee”) will apply only if there are no material changes in the borrower’s application or credit status from the date of preliminary credit approval through closing. Material changes includechanges in underwriting guidelines, the loan amount or loan product, loss or change of employment or income, undisclosed liabilities or increases in debt, fraud, misrepresentations or material omissions in the loan application and supporting documents. 2. Employees of Guild or its aliates and their immediate family members are not eligible to participate in the program. Credit Approval Protection (CAP):

HomeBuyers Express (HBE):

1. To be eligible for HBE, Borrower must complete a loan application with Guild Mortgage (“Guild”) and receive Credit Approval prior to executing a purchase and sales contract. Credit Approval must be obtained within 60 days of the date of the fully executed purchase and sales contract. 2. Borrower must supply the fully executed purchase and sales contract within 72 hours of the fully signed purchase and sales agreement; no later than fourteen days prior to closing. 3. All additional documentation, requested after the initial collection of data, must be provided within 48 hours of the request. You must lock your loan with Guild at least 15 days before the purchase and sale closing date. Any client, seller or third party delays, either through their actions or omissions, will void the guarantee (e.g., being out of town or otherwise unavailable, not providing requested documentation, change in the loan amount, program, down payment or terms, not timely signing of loan and closing documents, etc.) 4. The guarantee is not valid if applicable law imposes a required waiting period prior to closing, including a waiting period due to redisclosure to you of updated loan information, and that waiting period prevents Guild from closing on time. 5. Employees of Guild or its aliates and their immediate family members are not eligible to participate in the program.

Payment Protection Program:

1. Payment Protection Program (“Program”) allows for a rate and term renance with no lender fees to qualied applicants. 2. The Program is not a guarantee that the borrower or the property will qualify for a renance, nor is it a guarantee that a lower interest rate or payment can be provided to the borrower by Guild Mortgage Company. 3. The borrower must close their purchase loan with Guild Mortgage Company between 10/17/2022 and 6/28/2024 with a non-bond FHA, VA, USDA or conventional conforming or high balance loan to be eligible for the Program. 4. The borrower will be provided with a Payment Protection Program Certicate (“Certicate”) upon closing which can be used to claim their renance with no lender fees under the Program. 5. To be eligible, the renance must be a rst lien rate and term renance (no cash out) of the same property and paying o the loan originally nanced by Guild Mortgage Company. The renance must close no later than December 31, 2025 to be eligible for the Program. 6. The borrower and property must qualify for the renance, including meeting all applicable underwriting guidelines and closing conditions as they are in eect at the time of approval. 7. The borrower must have made at least six (6) consecutive on-time payments on the purchase loan before applying for the renance. 8. Fees that will be waived or paid by lender on the eligible renance under the Program include only fees paid to the lender, including origination, processing, underwriting, administration, closing, or funding fees, as applicable. It does not include fees charged to reduce the interest rate, including discount points and buydown fees, and does not include fees paid to third parties other than Guild Mortgage Company, including but not limited to tax service fees, wire, appraisal or credit reports, settlement agent/attorney fees, insurance, notary or government fees. 9. The Program is only valid for loans originated through Guild Mortgage Company’s retail channel. 10. Oer may not be redeemed for cash or credit and is not transferrable. Oer cannot be retroactively applied to any loans. Oer may not be used with any other discounts or promotions. 11. This is not a commitment to lend. 12. Renancing may cause nance charges to be higher over the life of the loan. 13. Unforeseen circumstances that adversely aect the ability to perform will void Guild’s obligation under the Program. 14. Program not available in New York. 15. The borrower is responsible for making all payments due in accordance with the terms of their loan.

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