Need a home loan? Whether you’re a first-time home buyer or a seasoned veteran, finding a great mortgage is vital to the success of buying a home.

Guild Mortgage Company
Equal Housing Lender, NMLS#3274
Terry Heffner NMLS#95796

The Heffner Group
Guild Mortgage is not affiliated with Sotheby's Int'l Realty
This is a paid advertisement

Email  | 208.901.3822

 Apply Online

Mortgage Calculator

Loan Amount Interest Rate Monthly Payment
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1% Down

Introducing the Guild Down Conventianal Loan. Get 3-for-1.

  • You bring 1% down, and we'll add 2% more- no strings attached*
  • Move in with 3% equity for only 1% down payment
  • ideal for those with good credit who struggle with a down payment
Example Home Price 1% down payment +2% Guild gift 3% total move-in equity
200,000 $2,000 $4,000 $6,000
300,000 $3,000 $6,000 $9,000
400,000 $4,000 $8,000 $12,000


  • Minimum 680 FICO
  • Income Limit of 100% of area median income (no limit for properties in low-income census tracts)
  • Homeownership education course required
  • Not just for first-time homebuyers

Program Details

  • Guild downpayment assistance is a 2% grant to borrower that does not need to be repaid
  • Loan amounts up to $424,100
  • Cancellable, reduced mortgage insurance
  • Flexible underwriting includes income from non-borrower household members, borader & rental income
  • Condos OK

Guild Mortgage Company - Meridian_ID James Beck


James Beck
Loan Officer | NMLS#1261665
Email  | 208.901.3818



Apply Online

*All Loans are subject to underwriter final approval, loan limit restriction based upon subject property state, terms and conditions may apply. Subject to change without notice. Always consult an Accountan or Tax Advisor for full eligibility requirements on tax deductions. Eligibility for this non-repayable grant is subject to the Program guidelines. Changes to loan parameters including but not limited to loan amount, owner-occupancy status, loan to value, and other factors may render Borrower ineligible for the Program. The grant may only be used for the borrower's cash investment in accordance with the Program guidlelines. (617027)


Home Buyer Services

Michelle Penick, Client Car Team
Michelle Penick  Idaho Realtor
Relocation Specialist



Chrissy Smith, Real Estate and Commercial Listing Agent
Chrissy Smith  Idaho Real Estate Agent
Buyer Specialist



Get Started with Us!

New Construction Specialist

Trey Langford, Idaho New Construction Consulting
Trey Langford  Idaho Real Estate Agent


Builder Recommendations

Community Recommendations

Home Loan Information

Terry Heffner - The Heffner Group of Guild Mortgage Eagle Idaho
The Heffner Group
Terry Heffner NMLS#95796
Guild Mortgage is an Equal Housing Lender, NMLS#3274

Do you qualify for a home loan? How much can you afford?
Email  | 208.901.3822 | APPLY

This is a paid advertisement. Guild Mortgage is not affiliated with Keller Williams Boise.