Homium's Shared Appreciation Mortgage (HSAM) program offers a second mortgage to assist first-time homebuyers with down payment costs. The loan carries no interest and no monthly payments. The borrower must have a minimum of 3% down payment. Repayment is deferred until the home is sold, refinanced, or after 30 years. At that time, the borrower repays the original loan amount plus a share of any appreciation in the home’s value. If the home sells or appraises for less than its original value, the borrower repays only the principal and any applicable fees. Homium doesn’t share in losses but may share in gains. The borrower remains responsible for repaying the original loan amount. Must occupy the home as primary residence. Program is eligible in the state of Utah. Income and purchase price limits apply. Homebuyer education course required. Guild Mortgage is not affiliated with Homium, Inc. The product is a second lien to our Guild Mortgage first lien mortgage. Homium, Inc.; Equal Housing Opportunity; Company NMLS ID 2442369. **Based on state, the maximum amount may vary; Max for UT is $150k or up to 40%, whichever is the lower.

Guild Mortgage Company; Equal Housing Opportunity; AZ BK #0018883; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; MA Mortgage Lender License #MC3274; MA Mortgage Broker License #MC3274; Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the N.J. Department of Banking and Insurance; NV Mortgage Company #1141; OR ML-176; Rhode Island Licensed Lender; Rhode Island Licensed Third-Party Loan Servicer; Company NMLS ID 3274. www.nmlsconsumeraccess.org/.

All loans subject to underwriter approval. Terms and conditions apply, subject to change without notice. Guild Mortgage Company is an Equal Opportunity Employer. Guild Mortgage Company 5887 Copley Drive, Floors 1, 3, 4, 5, 6, San Diego, CA 92111; For more licensing information, please visit www.guildmortgage.com/licensing.

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