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Use these resources to guide you through the mortgage process.

Of course our mortgage professionals will help you every step of the way, but the more prepared you are, the smoother the process will be.

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Borrower Resources

First-Time Homebuyers

Buying your first home comes with many big decisions and can be overwhelming AND exciting. It’s easy to get swept up in the idea of shopping for your first home and could lead to mistakes that can leave you with buyer’s remorse later. If it’s your first rodeo or it’s been many years since you last purchased a home remember, knowledge is power.

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Helpful Links

Use these links to dive deeper into all things mortgage.

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Free Credit Report

Managing your credit is key to getting a mortgage. Use this resource to access your free annual credit report.

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Key Mortgage Terms

Understanding the terms associated with the mortgage process will help you navigate successfully through your journey.

View terms

Home Loan Tool Kit

A booklet designed to help you make better choices on your path to homeownership.

Download the booklet

Use our mortgage calculators to see how much house you can afford.

Estimate Loan Payments

Understanding Mortgage Requirements

When applying for a new home loan, your loan officer will need to verify your assets. This includes your cash on hand and reserves after down payment and other closing costs.

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Payment Questions

If you are a client of Guaranty Home Mortgage Corp, please contact the servicing department at        855-335-4977 between the hours of 9:00 AM – 5:00 PM EST, Monday through Friday or via email at [email protected].

If you are a First Colony Mortgage customer, please contact the servicing department at 855-758-4739 or refer to this website for specific department assistance: Your Loan Servicing Center (


You will find your first payment coupon in the loan package that you signed at your loan closing. The form is called “First Payment Notice.” If you cannot locate this document, please reach out to the settlement service provider that conducted the closing.

Your account/loan number is a 6-digit number and can be located on your closing documents.

The number can also be located on the top right side of the First Payment Notification and Temporary Payment Coupons provided at closing.

Please reference this number on all correspondence until you receive notification of a new 10-digit servicing loan number.

Notice of Transfer of Servicing Rights: This letter is informing you that your loan has been purchased by another investor.  If payment(s) is due to Guaranty Home Mortgage Corporation or First Colony Mortgage Corporation, it will be indicated on the top right side of the notice.  Information pertaining to where to send all other payments can be found in the body of the letter along with your new servicer’s customer service phone number.


At closing you are provided with temporary payment coupons that can be used for making your first payments.

After closing, statements are mailed approximately 15 days prior to your due date.

Automated statements will begin when your account is assigned a new 10-digit loan number.

If you are unable to locate your coupons or statement simply include your loan number in the memo section of your payment.

If you are a Guaranty Home Mortgage Corporate client, please make your payments to Guaranty Home Mortgage Corporation at 525 Tribble Gap Road #1339 Cumming, GA 30028.

If you are a First Colony Mortgage Corporate client, please make your payments to First Colony Mortgage Corporate at 1 Corporate Drive, Suite 360, Lake Zurich, IL 60047.

Please author your loan number on the memo section of your check.


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