SAN DIEGO--(BUSINESS WIRE)--Sep 22, 2025-- Guild Mortgage, in partnership with Homium, announced an expansion of shared-appreciation mortgage (SAM) financing for first-time homebuyers. By leveraging private capital in coordination with local housing agencies and nonprofits, this program delivers meaningful down payment assistance while preserving affordability and financial stability for new homeowners. Homium’s Shared-Appreciation Mortgage (HSAM) provides borrowers with up to 40 percent of a home’s purchase price in down payment assistance, without adding monthly debt burden or requiring mortgage insurance.