A practical starting point
Use a simple map of payment and cash categories. Keep assumptions visible. Ask for a plan that fits your life rather than a generic number.
Every situation has details that deserve a secure, personal conversation. This page gives you a clear place to begin. When you are ready to move into a formal application, use the secure Guild Mortgage portal rather than sharing sensitive information here.
Keep this conversation non-sensitive.
Do not send financial documents, account numbers, Social Security information, or credit details through the form on this site.