Guild Mortgage Company Reviews

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!!!

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.

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.

I do not even want to give them one star! This was the absolute worse experience ever! Cheryl ** is the most incompetent, arrogant person to deal with. My son was purchasing his first house and it was a nightmare from the get go. They would tell him that everything was great and then they would say sorry you don't qualify and then he would get the information they wanted and it would be great and then not. The fees changed, the rate changed, it was a nightmare. This went on for 2 months or more. When I called her to complain the only thing she said to me was "We have a great reputation. And you won't find anyone else that can finance your property." Really??? Guess what, if I have anything to do with it you won't have a great reputation and we DID find someone to finance the property. At a great rate, great loan and the most EXCEPTIONAL Customer Service ever!!! Maybe you should get a page from their book.

Four years ago Guild was notified I had been awarded the house in a divorce and to remove my ex-wife from the mortgage. They still have not done so. I am sitting here with escrow refund check that cannot be cashed because my ex wife's name is on the check. They did admit they received a copy of the divorce decree four years ago. Glad I refinanced with another company.

My husband and I had this company in az. I remember there were problems yrs back but they were eventually corrected. My husband and I moved to a different state. While we are getting settling I'm the only one working so my husband was doing most of the leg work. Since we were prior client Alan claimed he help us "fast track" the loan. Alan never consulted with me on any big changes. My husband and I agreed on money for the house and money for rebuilding our lives. The first five minutes of the first conversation Alan threatened the house we were buying and insulted me. Claiming my past job weren't up to his imaginary standards. Clearly that's upsetting so I told my husband to take the phone.

I've had my fixed-rate loan with this company for a couple of years. Recently, I was sent a statement demanding that I pay $410 more per month (for twelve months). My taxes and insurance did not go up. When I called to straighten out the matter I was pretty much told that they would not review the case. I had to make 12 phones calls and consult with an attorney in order to get the mistake straightened out. Even then, they (Guild) still wanted me to pay significantly more per month. This is what people refer to as an "escrow nightmare". Keep in mind that my insurance and taxes did not go up and I was never late with a payment. In the end the only solution was to drop escrow because Guild would not admit that their calculations were wrong...DON'T USE THIS COMPANY.

We recently moved from NY to SC & were in the process of buying a new home. We were referred by our realtor to Brent ** at Guild Mortgage & it was a horrible experience. He loves to send video messages of himself talking but not addressing any questions we had. My husband was supposed to be on the mortgage & we were told we had stipulations to take care of prior to closing on the house. The stipulations changed but Brent never notified us & we took care of items that didn't need to be done, which was not only an inconvenience & a waste of our time, but also a waste of our financial resources. Then Brent removed my husband as a borrower from the mortgage but didn't communicate this with us. Then 3 days prior to closing, he strong-armed us into signing a closing document that was inaccurate. He gave us his "word" that the document would be revised the next day but 2 days later it wasn't rectified.

I have been trying to contact this company to find out where do I make my second mortgage payment and no one has responded back. I did my closing June 29th 2021. They said at closing make 1st payment to Guild Mortgage but the 2nd payment wait to receive a letter with instructions. Never received it.. So unprofessional .. I've emailed Amy ** the underwriter and no response yet and that was 10 days ago... Run. They don't reach back to customers and this is all new to me..