04/14/2026
Today at LeTip of McMinnville, we heard from Jacob Halsey, loan officer with Guild Mortgage, who shared how FHA financing is opening the door to homeownership for more people in our community.
Jacob broke down some of the biggest myths that hold people back from buying a home:
“You need 20% down”
Not true. FHA loans can go as low as 3.5% down. The 20% idea is mostly about avoiding mortgage insurance, not a requirement to buy.
“You need perfect credit”
Also not true. Jacob works with a wide range of credit situations. He acts as a guide, not a judge, and can even help clients improve their credit and run a quick rescore.
“Rates are too high”
In any market, there are still opportunities. It is about finding the right deal and strategy for your situation. Which is exactly how Jacob can help. He is your guide to getting your financials in order and finding the right opportunity.
He also highlighted key FHA program benefits:
• As little as 3.5% down payment
• Credit scores as low as 540 may qualify
• Up to 96.5% financing available
• Seller concessions up to 6%
Jacob’s approach is focused on education, clarity, and helping clients understand what is actually possible so they can move forward with confidence.
If you need non-judgmental help purchasing a home then you should contact Jacob Halsey today!
📞 (503) 550-2526
📧 [email protected]
🌐 https://www.guildmortgage.com/jacobhalsey
Thank you, Jacob, for a great presentation and for helping make homeownership more accessible in Yamhill County. 👏