Guild Mortgage Company Reviews

Four months into a refinance we finally just walked away, communication was great when we got ahold of Guild mortgage but we went WEEKS with no communication. Being told we were “preliminary approved” but the ball wasn’t rolling just more excuses. I’m so disappointed as our local branch had great praises…. I guess they only communicate well with new loans. Don’t waste your time.

They seemed ok at first but after I'd made only 2 payments on my new mortgage they sold the loan, against my will, with less than 30 days notice, to Select Portfolio Servicing, Inc--a company with 1 star and pages of complaints, which I would NEVER have consented to if I'd been given any choice. So far, my experience with the new servicer has been abyssmal. Guild didn't charge any fees for making mortgage payments online, the new servicer charges a rather large and ridiculous "easy pay fee."

This place is horrible. 2 years ago I mixed up my mortgages. One was 3900 and the other was 4000. Guild was supposed to get 4000, they got 3900. They returned it to my bank. I did not notice it. They counted my mortgage late and lowered my 850 credit score despite multiple calls and complaints. Cut to now 01/01/26 my payment went up. I have them on auto pay. They were 100 short and instead of applying it and sending me a bill for $100 or returning it, they applied it to principle and counted me late again.

Recently they switched vendors and no longer allow debit card payments to be made on late payments. I’m going to be late on my mortgage because their website refuses to accept ACH and debit card because of my lateness, even though I currently have the money. The company doesn’t even operate on weekends so I still can’t make the payment… the automated system doesn’t even allow me to make a payment because I’m late. Now I have to wait until Monday to speak with someone just to pay my bill. I have no interest in speaking to anyone, I simply want to pay my bill. I’ve never dealt with the lender this terrible. Let me pay bill so I can be current again. This is ridiculous.

I would not recommend this Mortgage company to anyone in the ** and ** community. With their "GLASS Ceiling" mentality.. It felt like I traveled back in time when my ancestors were gaslight into believing they had a chance of home ownership, only to undergo so many micro aggressions disguised as normal protocols or trying to help me. l was given so many obstacles to discourage me from EVER reaching my goal of purchasing an investment property.

This company is absolutely awful! Have been sending this company all info that they needed and wanted for the past 2 months now only to be told that they can't help us because the loan amount is too low! Told them to begin with what the loan amount was! I can't believe a company would string you along for 2 months and just drop everything. Thank you Chet ** - Guild Mortgage for nothing! Don't use this company!

I have bought and sold several homes in my life and Guild Mortgage is the worst lender I've ever dealt with. The loan officer was incompetent when I got my loan. She made a few mistakes costing me several thousand dollars that it shouldn't have in taxes. Now they say I'm behind on my mortgage, took about an hour to find pout they misapplied the check and it was on time (3 days early). After they called several times and sent an email saying I was late they won't confirm in writing that the payment was made on time, like I'm suppose to trust that they took care of their mistake. Terrible company, don't do business with them.

I can’t say enough good things about my experience working with Mark **. From day one, he went above and beyond — not just to secure financing, but to support me through an emotional and unpredictable home-buying process. Our first attempt to purchase a home fell through due to the seller not meeting critical deadlines. It was incredibly frustrating and disappointing, but Mark remained steady, supportive, and proactive throughout it all. He kept things moving on his end, explained everything clearly, and made sure I was fully prepared for the next opportunity.

I had a great experience working with Kellie ** of Guild Mortgage. As a social worker, I advocated for others. It was nice to have someone advocate for me. It was hard to look for home due to tragedy. Everything worked out.

I am a convicted felon. It was nine years ago. I was released less than two years ago. I was told repeatedly throughout this year long process to find a home in my price range, secure a loan, and close the deal that my having less than two years on the job wouldn't be a problem. Then closing day rolled around and Guild began asking me for documents that no longer exist from jobs I held over ten years ago. Nobody anywhere keeps records that long. I was supposed to close on my new home in August. It's now the middle of September. I had to break my contract, and the hundreds of dollars I spent on inspections and appraisals is just gone and I have to somehow afford a deposit on an apartment. On top of that, we have a newborn daughter. Thanks, Guild. Great job.

STAY AWAY FROM GUILD. They have higher rates and fees, and they have *horrible* customer service and communication. They sold my new mortgage to another servicer and sent no communication at all. On the due date for my mortgage payment, I got a letter saying "Per your request, Guild Mortgage Company has suspended your automatic payment option". I had to spend over an hour on hold waiting to speak to someone at Guild, who then told me my loan had been sold and they couldn't help me. The servicer they sold to, Shellpoint, doesn't have a support phone number listed on their website and I haven't received any mail correspondence from them so I have no idea how to locate my loan, set up an account, and send payments. I've already lost half a day to this and it's not even remotely close to being resolved.

Avoid this company at all costs. They wrongly reported late payments despite receiving them on time. They never notified me of any issues; instead, they falsely claimed a late payment after I received a text confirming that my payment was received on time.

Working with Chandler in Lawton Oklahoma was awesome.... He understood my needs, communicated with me regularly giving me updates and making sure I understood what was needed and he was always available if I had any questions. I feel I made a friend along the way.... Thank you Chandler for all your hard work!

Guild Mortgage couldn’t care less about the individual and makes their policies and communications so unclear it confuses the consumer. Beware of this company and read the fine print VERY carefully before you sign anything when assuming a loan. They make sure to follow FDCPA and FTC regulations but in very shady and unclear way that ultimately hurts the consumer. For example, Guild is quick to report anything to the credit bureaus without letting you know because they already “let you know” when you signed the loan paperwork. Even five years later you will be blindsided. They can’t bother to give you a chance to fix anything (even things they messed up) before they report you.

Dealing with Guild Mortgage has been one of the worst experiences I've had. As my son is a first-time home buyer, they have made the process miserable. As I told Yaneris, his agent, locking in a high interest rate without waiting for a reply from us stating that rates were going crazy was not true. She says one thing and writes something else on the application read read and read again. Do not lock in anything with them. Get other opinions or stay away. Plenty of fish in the sea. Rates were way lower than what she locked in without waiting for either signature on the loan. She was only concerned with her bottom line, not the client. When, and if I need another mortgage, I will NOT use Guild Mortgage!

The company was good to work with until we had our two babies. We fell behind and were put on a repayment plan. Our work cut down on some hours so we were a little short. They WOULD NOT EXTEND US 2 DAYS to submit the payment cause we were about $200 short, even though we had made 3 of the 6 payments on-time and even sent In extra with the payments. The short fall was to only last for the one payment. They wanted us to refill out paperwork to review our payment plan… outcome was not promised and no matter the outcome would kick us off our current plan. Possibly saying good bye to our home over $200!!!

In regard to Guild Mortgage of Henderson Nevada, and Wes Tool; I could not have been more pleased with the final outcome. Getting a mortgage for the first time is nerve-wracking enough, and I suppose no escrow process goes without its hiccups. These were out of control of Wes and his team, and we even closed a couple of days early. Thanks for making this experience so tolerable and exciting!

DO NOT USE GUILD MORTGAGE. They will continuously tell you different information to get more money out of you. My home is under contract to be sold and they added $10k to my payoff amount for FORECLOSURE fees. When I asked how the home went into foreclosure even though it is under contract, they played words games and told me to contact a foreclosure lawyer if I don't understand what it means. They are very rude and highly unprofessional. My Loan officer was amazing. The company itself is trash.

BUYERS BEWARE!!!! Absolutely the worst customer service experience I've ever had. I was bounced around from person to person none of which offered the same information nor knew what the other had said. Never got any correspondence from anyone during business hours only after hours the few times I did get a response. Kelsy was our loan officer, and she treated us like our business with them wasn't very important. She severely misled us (in my opinion purposely)! During the 6 months process we spoke to her 3 times all after hours and once to have her tell us she was too busy and forgot to return our call from a week before because she was supposedly sick. They raised the down payment amount twice and the second time was 5 days before closing. Asking us to borrow money from someone to pay the $6000 extra after the 1st $4000 increase. Complete disregard for the average home buyer no interest in helping find a plausible solution.

The Guild team with whom I have worked - Mike and Jenny **, Stacy **, Sarah ** - are outstanding!!! They are highly competent, personable, and get things done clearly, quickly, and with an eye on doing what is best for the client. When this experience is expansive and consistent, it speaks to who Guild is across the organization and the people that make Guild what it is.

Horrible experience. They said they could get us in a first time buyer program. Never happened and wasn't notified for a couple of weeks. Then added points that they said on the phone "really wasn't points". It was. They said it would be adjusted, on closing to find out it wasn't.. They said they would service this mortgage they are not. They have zero integrity. They lie until you sign and then when it is too late they tell you all the by the ways.

If you are looking for your 1st Dream Home, PLEASE DO NOT CONSIDER GUILD MORTGAGE. I did everything right as a 1st time buyer, searched TSHC website for their preferred lend and realtor. I chose Guild (bad choice) completed an application, uploading required documents, unfroze my credit, 4 days later absolutely NO RESPONSE! I was connected to Diane ** as my loan officer. This lady NEVER respond to emails or phone calls. I called and spoke with a gentleman (forgot his name) told me that Dianne was out but someone else would get back to me at 2pm.

I am writing to formally express my frustration and disappointment with how your tax manager, Alex, has handled my recent request to update a legal matter regarding my property taxes. Until this issue, my experience with Guild Mortgage had been positive. However, Alex has denied my rights and engaged in unproductive arguments regarding how my tax entities are structured. Most concerning is that I have spoken directly with the appropriate managers involved, who confirmed that Alex has not contacted them to verify the information he is providing.

I was referred to Mark ** and told him and his assistant several times that I wanted to take out a specific home equity loan... They proceeded to tell me that I should expect a rate in the 7s for this and had me fill out a full application only to call me and tell me afterward that they could not offer the loan I originally requested.

I refinanced my existing loan with Guild Mortgage and was told I didn't have to pay for 2 months and almost a month after it closed, I receive a letter from Guild mortgage that I have to pay the next month. I'm upset that my loan officer provided incorrect information and now thinking, when I have to refinance again, I may go with another lender.

I had a horrible experience with this company. Buying a home should have been so exciting but I never felt more ignored with this company. I was first placed with Rachel Knight which she started off very encouraging and told me a couple things to work on, I did exactly what she asked and had it done in a couple weeks and she stopped returning my calls and stopped responding to my texts. Then reaching out and showing my concern I was placed with Jay Glover that reached out to me and told me he would take care of me.

The first week of Aug ‘24 I received a letter from Guild Mortgage stating that since I had no homeowner’s insurance they would be placing their own expensive insurance if I didn’t provide proof. Mind you, Guild Mortgage had sent my annual premium to my insurance company on July 9, 2024!!! I contacted my insurance agent and had them call Guild and straighten things out. Supposedly everything was straightened out with that call.

I'm having problems with my escrow account and am wondering if others are too. My payment jumped $114 a month with no notice. I searched their entire website and couldn't find an explanation. I know WHY the payment jumped (increased taxes and insurance) but I want an accounting of it. I called and spoke with a rep today who informed me that they sent an email a week ago. I am meticulous about checking my email and did not see it, nor can I find it in my deleted or spam folders. The rep (re)sent the email today and included a loan history from the inception of my loan. From what I can see, our escrow account went into the red for the first time in September of 2023. The 2-month buffer was slowly eaten up prior to that because they didn't adjust my payments enough each year for the previous 5 years. When it went into the red, they waited another year and then increased it by $114 all at once in September 2024. I don't roll that way.

I would not suggest using Guild Mortgage. We bought our house not even two years ago and they have already raised our mortgage. Their office is closed due to “ COVID Concerns”.... so you have to make an appointment to meet with someone. Very inconvenient for you, but I guess they just get to work from home so very convenient for them. I’ve been trying to get a hold of someone to sign an insurance check so I can cash it and get repairs done on my home, but no one gets back to me. Again very inconvenient for me. Not so much for them. I definitely don’t recommend them.

Guild offered a good rate, with points, and the local broker was wonderful, so I went with them, then as soon as the loan closed, very quickly Guild turned around, sold my loan to another company whose website is very frequently down for days, and I have spent hours on hold trying to reach a real person and cannot. Guild also kept the extra principal payment I'd made and it took weeks of phone calls, emails, and 2 complaints to the CFPB to get them to release it. And, even after they sold my loan to the other company, they continued to draw a mortgage payment out of my bank account (set up for autopayments) after they no longer held my mortgage, so that I paid 2 mortgage payments for the same mortgage to two different companies on the same day -- a real financial hardship. It then took emails, phone calls, and days and days to get Guild to issue a refund check for stealing from me. Guild is atrocious. Steer clear.

Johnathan at Guild Mortgage in Texas is the absolute best. So good, we didn't even get other quotes when we were allowed 4 total. He responds right away and even takes the time to call you and talk to you about your credit where others will make a decision simply on the report itself. For new home buyers just know this is extremely important! He was kind and answered all of my questions with nothing but kindness. I highly recommend using Guild because of Johnathan and will be recommending both Guild and Johnathan to anyone I can!

I can't believe how they operation. Lie, claim I was preapproved, but never showed me proof. When asked. oh, I will send it to you. Then said how soon can you come up with ten thousand dollars. This mortgage lender know he did not want to help me and had no interest. I think they enjoy destroying customer's good credit. And no, they no going to help, thanks a lot Len. Never got proof but, was told to go and look for a house. They do not deserve a star at all. Lesson learned, read the reviews 1st.

A few months back, Guild made an error on my account. Twice. They failed to deposit my checks correctly. I was on AUTOPAY, so they had to just do their job. I had even made extra payments. They sent me a letter that did not make sense through the mail about refunding some of my payments. I didn't understand, but it did not seem urgent. Turns out, it was urgent, since they did not deposit my payments, I was several months behind on my mortgage. Which again, was their mistake. They did not want to refund my money or fix my credit report. Everyone that I spoke to in customer service treated me rudely, like I was trying to get out of paying my mortgage. Finally, I contacted our broker, who fixed it for me.

My bank made an error and bounced my mortgage payment through no fault of my own. Guild Mortgage was completely unforgiving and put me on certified funds only for six months with NO possibility for a re-review of the circumstances. In short, I had a heart attack and was in the hospital when, through no fault of my own, my bank bounced my mortgage payment. I literally died at my front door and it wasn’t until a week later that I was awake and able to correct the problem. And one hundred point drop in my credit score to boot! Guild had NO loss, it was truly the bank's fault and do you think I could get ANY consideration from Guild. Nope! Mortgage companies are truly bottom feeders and the lowliest scum on earth.

Our “loan” documents included waivers for things that we would never have signed off on. The closing table is an unequal playing field. Signing under duress and economic pressure is a thing. Beware. Have them give you docs in plain language with full disclosure (Plain Language Act), KNOW YOUR RIGHTS AS A CONSUMER, have them explain any waivers they put in the contract and know that you don’t have to sign what you don’t agree with.

Works with broker to overcharge clients on closing cost. Was charged over 11,000.00 on a 145k loan which is way over 6%. Keeps sending Closing Disclosure to client knowing closing cost adjustments are not reflected. Shady, shady, shady....Please veterans and everyone, beware of this lender. Totally unethical business practices.

Just bought our first house with help of these wonderful people! Due to not very high credit score we were rejected by few different lenders and were pretty upset and frustrated, till Guild gave us a chance. Everything since was nice and smooth, they managed to deal with me (and I'm a difficult customer!), deal with not good at all realtor, deal with financing obstacles. They were very patient, kind and professional. Only thanks to Guild we are house owners now! I will never be tired of complimenting them and recommending to everyone as a company, that does not sort people into classes and gives everyone hope to purchase they dream home! We are happy with rates, terms, conditions and only feel gratitude. Thank you Guild, thank you, Jason, Alexa and Liz! God bless!

We have been with Guild since Jan 2017. We should have known better when it took 5 months to close because they mixed us up with the other people buying our house! Kept saying we did not have our information sent in. It was the other family that did not. Now fast forward 5 years and they make it impossible to pay your mortgage! Paid at 5 pm Eastern time zone. Not only did the payment not post. They never took it out then charged us for not having enough funds which was not true.

I contacted Guild in May and request a 180 quote for a 30 year fixed rate conforming new loan. I lock a 5.7 % with a float down. I gave them $3200 for the lock which could be applied to the loan costs or used as buy down. I later discovered I wanted to switch to a 30 year fixed jumbo. I contacted them June 22nd to request the change in product and to lock a 60 day rate. 10 emails and 20 phone calls later, I get one call July 21st saying Someone's in a meeting and someone's home with a cold and someone will contact me tomorrow. Sign on the email says RATED # 1 by JD Powell. I just lost all respect for JD Powell. Oh, and Guild Mortgage. I could close in as little as 30 days, but it looks like it will need to be with a different company because of someone. It appears I will lose the $3200 bucks, but at least I won't lose the $968,067.82 House.

I have purchased 5 other homes in my lifetime. We have moved around a lot. Guild Mortgage has been by far the worst company I have worked with. We are now in week six of trying to close my loan. They sent me 3 emails this morning, some from people I have never heard of, telling me they changed my loan type, needed an addendum form and they were changing my closing date from TOMORROW to several days later.