California > Grass Valley > Voter Home Loans

Voter Home Loans

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(530) 613-8423
2428 Nevada City Hwy
Grass Valley, CA 95945
Category: Finance & Legal


We have all the latest technology available for you – BUT our focus at Guild Mortgage is on giving each and every one up-close and personal first class service.

We know you don’t buy a home, vacation home, or decide to refinance your loan every day so it may not be a comfort zone for you – but that IS what we do every day so let us be the one to run through the gauntlet of lending tasks for you.

Suzanne’s Credentials:

Licensed Real Estate Broker
Mortgage Planning Specialist
Reverse Mortgage Specialist
Branch Owner since 1997
Branch Manager since 1989
In the Business since 1988
NMLS ID: 230270
BRE #: 01072266

Types of Loans:

One Day Out of Foreclosure or Short Sale Purchase
100% USDA Rural Guarantee
Reverse Mortgages
For Veterans
First Time Home Buyer
Jumbo & High Balance Conforming
Fixed Rate vs. Variable Rate
Vacation (2nd Home)

Types of Refinancing Loans Available:

Conventional Refinance Loans allow an Interest Rate and Term (years to repay the loan) refinance as well as cash-out up to a specified Loan to Value ratio (LTV).

FHA Loans are insured by the Federal Housing Administration and allow rate and term as well as cash-out transactions.

HARP: Fannie Mae Relief Refinance and Freddie Mac Relief Refinance programs up to 150% Loan to Value (LTV) of an existing loan held by either institution.

VA Loans are insured by the Veterans Administration and allow rate and term refinances as well as cash-out.

USDA Rural Guarantee Loan Program is available in ‘rural’ communities that are more than 60 miles from a major city and the property address must be verified through USDA for its eligibility. Loans currently held by USDA are allowed to be refinanced at a lower rate under USDA program.

Mortgage Insurance is not a cost associated with this loan; however, the USDA does charge a funding fee of 2.125%of the loan amount/sales price and this is financed in the loan and a small monthly fee.
30 Year Fixed Rate is currently offered for this program
Maximum Income Guidelines do not apply and are up to 115% of the median income for the area.

Products And Services

Mortgage Expert
Home Loans
Mortgage Broker
Mortgage Lender

Year Founded


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