Mortgage Guy 360
Mortgage Guy 360
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  • Contact
  • Mortgage Market Updates
    • July 2025
    • August 2025
    • September 2025
  • Consumer
    • Consumer - Hoper Program
    • Debt Consolidation
    • First-time Hombuyer
  • Agent
    • Agent - Hoper Program
    • Homebuyer Concierge
  • More
    • Mortgage FAQ's
    • Accessibility Statement
    • Privacy Policy
  • More
    • Home
    • Where to Start
    • Contact
    • Mortgage Market Updates
      • July 2025
      • August 2025
      • September 2025
    • Consumer
      • Consumer - Hoper Program
      • Debt Consolidation
      • First-time Hombuyer
    • Agent
      • Agent - Hoper Program
      • Homebuyer Concierge
    • More
      • Mortgage FAQ's
      • Accessibility Statement
      • Privacy Policy

  • Home
  • Where to Start
  • Contact
  • Mortgage Market Updates
    • July 2025
    • August 2025
    • September 2025
  • Consumer
    • Consumer - Hoper Program
    • Debt Consolidation
    • First-time Hombuyer
  • Agent
    • Agent - Hoper Program
    • Homebuyer Concierge
  • More
    • Mortgage FAQ's
    • Accessibility Statement
    • Privacy Policy

Your Path to Homeownership Starts Here

 The Hoper Program: Own your home and power it too—with up to 120% financing and no out-of-pocket solar costs. 

Check Your Eligibility

Tired of paying rent and watching someone else’s equity grow

If you’re renting, watching someone else build equity, or wondering whether you’ll ever qualify for a mortgage — you’re exactly who we help.

Do any of these sound familiar?

  • High down payments
  • Qualifying issues
  • Rising home prices
  • Paying rent with nothing to show for it


You’ve done the hard work — renting month after month, saving what you can, watching prices climb. What if this year you moved into a home you own, rather than one you rent? The Hoper Program opens that possibility. 

Consumer Benefits

Own your home. Power your future.

Buying your home should be more than just getting the keys—it should set you up for lasting financial freedom.


That’s why the Mortgage Guy360 Team at Select Rate Mortgage utilizes the Hoper Program—a first-of-its-kind FHA home loan option that lets you add solar power directly to your mortgage.


Program Highlights:


  • Finance up to 120% of the home’s purchase price
  • Add solar energy or make energy-efficient upgrades
  • No second liens and no out-of-pocket costs
  • Earn up to $13,000 through the Hope 4 Homeownership Savings Club
  • Lower monthly energy bills and build long-term equity

Own Your Home — And Power It Too

Meet Your Mortgage Guide

Led by Reg Gustin and the Mortgage Guy360 team, we’ve helped many first-time buyers just like you step into homeownership. Here are the initial steps:


  • Pre-qualify & see if you fit the program 
  • Choose your home + include solar upgrades 
  • Close the loan and start saving on energy & building equity


 “I know how discouraging it feels—I once helped a renter with little savings move into their first home in under 60 days.”   Reg Gustin, Mortgage Guy360 at Select Rate Mortgage


Here’s what happens if you wait -  Keep renting another year, and you might pay thousands more in rent—with nothing to show for it, while home prices continued to rise. Build your wealth!

A smarter way to buy your home. A simpler way to afford it.

 Complete a short online course, earn up to $13,000, and enjoy built-in utility savings with solar included in your mortgage. No extra upfront cost. 


No confusion. Just a clear path to homeownership. 


" Get paid to become a smarter homeowner."

A Smarter Way (pdf)

Download

Appointment with Reg Gustin @Mortgage Guy360

 Ready to take the next step?
Schedule a quick call to review your options with the Hoper Program. We’ll discuss your goals, answer your questions, and outline a simple plan to get you moving toward homeownership. 

Check Your Eligibility

Reg Gustin NMLS# 249410 Licensed Arizona & Texas

10150 Centennial Pkwy, Suite 120, Sandy UT 84070 NMLS# 2689817

(480) 330-1683

Copyright © 2025 Mortgage Guy 360 - All Rights Reserved.


 © 2025 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity. 


 NMLS Consumer Access: NMLS 1850 


*AZ BK 0906702


*  Not Available in New York  


* Texas mortgage banker disclosure consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the Department's website at www.sml.texas.gov.

Select Rate Mortgage by American Pacific Mortgage

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