Southern Utah's
Mortgage Partner
Expert guidance from Scott Buehler and his Guild Mortgage team. Tailored solutions for your unique homebuying journey.
Mortgage Lending Simplified
Hi, I'm Scott Buehler. Whether you are a first-time buyer or looking to invest, my local Guild Mortgage team and I help navigate the Southern Utah market with transparency, speed, and personalized care.
- Video presentations of mortgage options
- In-office visits available
- No call centers – Direct access to Scott
- A dedicated local team handles your entire process
- 7+ years of dedicated mortgage lending experience
- Advanced Problem Solving & Solution Finding
The Loan Problem Solver
Common mortgage hurdles meet expert solutions. Find your path to homeownership regardless of your situation.
"My business makes money, but my taxes say otherwise."
Bank Statement Loan
We can qualify self-employed borrowers based on actual cash flow through bank statements rather than net tax income.
"I was told I need a 20% down payment."
As little as 3.5% down
Modern conventional and FHA programs allow for much lower entry costs than traditional 20% requirements.
"I don't have a down payment saved up right now."
Utah Housing Corp Loan
Special statewide programs designed to provide down payment assistance for qualified Utah residents.
"Can I qualify with strictly 1099 income?"
Self-Employed 1099 Programs
Tailored qualification paths that understand the nuance of contract and independent worker earnings. One year of 1099s needed and 2 years in business.
"My credit score isn't where it needs to be."
Flexible Credit Standards
We offer specialized loan programs that look beyond the score, providing pathways for buyers with scores starting at 580. With 10% down, we may be able to go lower. Worst case? Let's discuss and come up with a plan, which may include a credit repair specialist.
"I can't qualify with my income to purchase my dream home."
Purpose-Built New Construction
Work with one of my preferred builder partners. We can build a home with a casita/ADU that can be used for rental income. You will need to get a 12-month lease agreement, 1st month and security deposit with your tenant.
"I'm a Veteran and want to buy with no money down."
VA Home Loans
A VA loan is one of the best mortgage benefits available, allowing eligible Veterans and active-duty service members to purchase a home with zero down payment and no PMI. With your Certificate of Eligibility, this is almost always the strongest option on the table.
"The home I want to buy is beyond conforming limits."
Jumbo Programs
A jumbo loan is designed exactly for this situation, covering loan amounts above the conforming limit (ask me for the current limits). It works like a conventional loan but with slightly stricter qualifying standards around credit, reserves, and down payment.
The 4-Step Path to Funding
A transparent, guided experience from initial chat to keys in hand.
Pre-Approval
Quick online application to determine your true buying power and budget.
House Hunting
Shop Southern Utah with confidence knowing your numbers are solid.
Processing
Our local team handles the heavy lifting, documentation, and appraising.
Closing Day
The best part! Signing the final papers and getting your keys.
What Your Neighbors Say
"We absolutely loved working with Scott on our construction home build! He was incredibly thorough in the throughout and most importantly in the beginning making absolute sure we would be able to close once the build was done. He always gave us bigger numbers so there were no surprises in the end, (actually had good surprises with real numbers being less than we anticipated because of his method) and we couldn’t recommend him enough! He is incredibly thorough, helpful, and although our builder ruined our build experience, Scott was there as our lender to turn our bad moods around for the better. He’s very smart, and very good at his job. Thanks again Scott 🙏🏼"
Renee Swanson
Hurricane, UT
"Scott is the best! I'm a first time homeowner, and am extremely new to the process. Truthfully, I lacked even basic knowledge of how the mortgage process works. Scott was there for me, every step of the way - from the first phone call, until the closing. He answered every single one of my (sometimes dumb) questions, was EXTREMELY prompt with every response, and was very kind and generous with his time. Beyond that, he provided a wealth of valuable information above and beyond what was actually required for my mortgage. It felt like I was talking to a friend."
Peter Litvin
Washington, UT
"We just bought our first home in Cedar City, Utah and had the best experience with Scott and Guild Mortgage. With Scott’s expertise and guidance we were able to get a 2/1 temporary buydown to keep our payment low for the first couple of years so we can refinance at a lower rate down the road. Scott is the best Southern Utah mortgage lender by far and we could not be more happy with how easy he made this process for us!"
Brittany Maxedon
Cedar City, UT
"Definitely the best lender I have worked with in 10 years! As a Realtor, it’s so important to trust the services I recommend to my clients and they need to be top notch. Scott has always impressed them with his knowledge, communication and personal service. He understands the business and knows options based on what our clients goals are. I would give him more than 5 stars if I could because I know he will always get the job done and on time, which makes the Buyers and Sellers happy!!"
Tracy Sierra
Cedar City, UT, Realtor
"To say Scott went the extra mile would be an absolute understatement. He went mile after mile 100% of the way. They were having trouble getting one of our documents from another mortgage company, Scott called every single day until he got what we needed. He taught us everything there is to know about mortgage and interest rates. He sent us videos,texted, emailed & called so that we were fully informed. And in the end we got the home that we wanted. Scott was a tremendous help an amazing help you can't go wrong having him be your mortgage broker."
Stormee Smith
St. George, UT
"First and foremost we would like to thank Scott for his excellent customer service. Honestly though it goes beyond that, he cares and gets the job done! Scott is knowledgeable about the market, his products and helps his clients get what they need and in a timely manner. Really, he doesn't miss a beat. Thank you for helping us with our Re-Fi and for adding in the humor where it was necessary to get me through the gathering of the paperwork where I had to dig up things in places I really didn't want to go. We will not hesitate to recommend Scott to anyone we can. Keep Smiling and doing what you do best!!"
Dave & Sharon Bennet
Ivins, UT
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Celebrating Real Closings
There is nothing quite like the feeling of handing over the keys. Scott Buehler and his team are incredibly excited to celebrate your closing day with you at a local Southern Utah title office. Your success is our mission, and this is the moment we all work so hard for!
Take the First Step Toward Your Southern Utah Home.
- Fast, secure online portal
- Personal review within 24 hours
- No obligation consultation
Prefer to speak directly?
Call or text Scott Buehler right now for immediate assistance with your mortgage needs.