Guild Mortgage Company Reviews

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..

My husband passed away and I have been trying to work on getting the loan and house in my name. I can not get a phone call back from anyone at this company! I am his legal wife and beneficiary of his will yet they will not talk to me. I am so irritated. I have been dealing with this for 8 months now. I think they are horrible.

Let me start off by saying that I have had 2 home loans in the past with Guild Mortgage and never have I experienced any discomfort as now. My loan officers in the past were Eva ** and Claire. My past experience was pleasant and that is why I thought about my 3rd loan with Guild Mortgage. I had sent my information to Bonita ** and her assistant Fatima ** back in February. I was told my credit is great and the amount me and my partner would qualify for etc. I emailed Both of them several times for updates. I emailed Bonita on April 10 regarding the details of the different programs that they have available and No response back. My realtor has not been able to get in touch with Bonita. She has left her several messages and emails. Bonita has not responded to me in over a week. My boyfriend who also emailed her for an update after sending her all his personal documents and cannot get a response back from her.

I need to close on my house and needed a signature to be able to fully close. They have made the whole process a living #3/\ for me. Finally, when I get ahold of someone to finally move the process faster they inform me that it will take 6 more days to complete the signing. Which everyday I am paying on my taxes for them. Completely ridiculous. Do not recommend if you are actually do something with your home.

WHAT A NIGHTMARE!!! Tried three hundred times over a month to reach the loan servicing department during covid. AFTER 9 hours on hold I finally got through. I wanted to put my mortgage into forbearance and they REFUSED. THEY are literally breaking the law.

The communication between our lender and us was great. He kept us informed every step of the way. Previous companies I've worked with, it was a constant guessing game; no returned calls. Guild was great with us.

Your Prescott Arizona office is broken. You'll want to investigate the "**" "Team" (joke), with Danielle, Larissa, and the others as they have together managed to create the most dysfunctional and specious mortgage experience we've ever experienced. My wife and I agree, (we're old and experienced) as we've, over a lifetime of real estate sales and purchases, done close to 50 mortgages for ourselves, and for my real estate and business clients in the Silicon Valley, California... I have never before witnessed such dysfunction in a mortgage transaction, and it's due to the people in charge of your Prescott, AZ offices. I can write in great detail about our many "OMG" moments, but if you really care about the bad experiences your customers endure because of the wrong people running your operations there, you will find ample support for my opinion.

I started a refinance with Guild 10/22/20. They have yet to complete the refinance. They have consistently neglected to contact me when they need information from me; rather I find out by calling to see what is taking so much time. I am flabbergasted that a reputable company has such lax standards of service. They hold my current mortgage, which was processed in 30 days 5 years ago. I had no idea when I started this refinance that it would be so frustrating.

The senior loan payoff specialist did not do her job. AFTER we closed, I was notified that an insurance payment was made, on the day of closing (30 days before the payment was due). I tried to resolve, but they were more offended that I called them directly and didn’t want to help me directly. Instead of calling me, the loan specialist called my escrow officer and threatened to return ALL of the money for the sale if I didn’t pay the $1500+ For the full year of homeowners insurance within 24 hours. Mind you, at this point, I didn’t even own the house any longer. This payment was not disclosed prior to sale. It came back on the day of the sale. If you have people that are "payoff specialists", then they should be fully aware of all activities on the loan.

My parents and I bought a house for my sister's family to live in on a Cornerstone loan. They were elderly and retired. We created joint trust for them. When dad passed we created a sole trust for my mother with all property in it. We did not want to refi because mom was very old. The Trust made payments as usual. Cornerstone was bought by Guild so we made payments to them. I set up a Trust for myself with all my property in it. When mom passed we sold the house. We needed to change the ownership on the loan to match the trust names. Our original Cornerstone agent was still with Guild and had the loan. We asked him to work with Guild to get the deed papers realized on the loan. He did not want to get involved and said they sold the Cornerstone loans to an outfit called Dovenmeuhle Mortgage. He said I had to call them (despite the fact our statements came from Guild and we were paying them!).

Received a pre qualification, submitted all the documents requested, found a house after weeks of searching, found the perfect home. I was told by the mortgage company all was good. Paid $600 for an appraisal, $600 for an inspection and put down $3,000 in earnest money. A closing day was set after they had me purchase homeowners insurance. I was given the rates, and 5 days before closing was told all was good. The day before closing they contacted me asking for over a dozen new items, 2 of which I had no way to get (catch 22). So not only did I lose the house, I am losing the $1200 in appraisal and inspection fees as well as $3,000 in earnest money, due to Guild Mortgage either being liars or incompetent. So if you want to lose $4,200 of your hard earned money, feel free to use Guild Mortgage. They told me “So Sorry”, that doesn’t replace the $4,200 I am losing because of them.

As with other we started our refinance in Nov 20. It is now 2 week in Jan 21. We were told the closing cost were minimal that is why we agreed to refi. We were told the closing were 1200, but those would go down. Now they are 2890. That is not going down last I checked. They send you a list of documents that are needing. The same documents were already sent. They want us to sign documents about the extra closing but they did not include my new monthly payment. Wonder why. Then they call me at 830 at night. Word of advice, get everything in writing. Do not communicate via phone. I have decided to look at other companies. Very disappointing. But from what I am reading, it is not unusual. Good luck.

Original loan was through this company so I thought it would be easy to let them handle the refinance. WRONG. It took over 60 days to do a simple refinance. I literally had to reach out myself to the local office to make contact, figure out where the loan stood, and try to push it along. It was as if they had a stack of folders on their desk and they could not get through them. One person would blame the other, "our underwriter", "our processor", etc. Now that it is finally refinanced, I am going through my first two statements and I see where they paid my taxes TWICE this year after I was sure to mention in closing and before about taxes being paid when/how to ensure paid and not forgot, etc.

Missed a full day at work because no paperwork sent to attorney. We were told last minute to bring $7500 to the table when originally told $6500. Unprofessional, not polite or kind. Eating food on calls.???

Guild Mortgage is an awful mortgage company. In the middle of a pandemic when they are supposed to be there to help, they’ve been unresponsive and after my request to go on forbearance due to being laid off from my job, they ignored my request and reported a late payment to the credit agencies. I cannot wait to refinance with a better company who cares about people going through hardships. I rated a 1 star because 0 is not an option.

Don't ever do business with them if you’re not fully aware of the finance process. They'll try to drain as much money as they possibly could to do your refinance/loan. They asked for my payoff statement four times in a very careless and unprofessional manner and expected me to pay for all the charges for these requests while they could've only pulled it once and save the money for the extra requests. They were also supposed to do a reissue for my MCC and I had to wait for two months after closing the loan and still haven't received the new MCC and when I followed up and called the eHousing they found out there's a mistake that needs to be corrected (If I didn't call and follow up they'd never knew about the mistake and just kept me hanging). JUST UNPROFESSIONAL, RECKLESS AND INCONSIDERATE.

Guild Mortgage Company add someone else flood insurance policy to my closing cost, and now I am getting the runaround trying to get my money back in the sum of $813.00, it's been more than two months and every day they say it's in the mail. This company have some very shady practices, just look at the reviews. Everybody is not lying, please avoid this company at all cost!!!.

Guild Mortgage has been servicing loans on two houses for me recently, one house sold, and the loan closed. Guild's automatic payment system still withdrew the money from my account. I contacted them as during these trying times with covid I could not afford these funds to be withdrawn. Customer service has been difficult to get ahold of, I've been hung up on, and treated very poorly. The worst part is that I have no way of getting my money back, so far. Causing me to have to borrow money to make ends meet. The Customer service department at Guild has been nothing short of terrible. Especially during tough times with The Covid 19 Pandemic.

You'd think in the midst of a global pandemic that companies like Guild would understand the hardship people are going through, but they could care less. In order for me to save my home and become current in my mortgage, I was placed on a 12 month "repayment plan" from $1800/mo, to $2597.16/mo!!! An increase of almost $800 EXTRA PER MONTH ($797.16 to be exact)! Once we finish with this "plan", we would've paid $31,165.92! How does this "plan" help us?

We attempted to use Guild Mortgage, but after 2 weeks without even being able to get a pre-approval letter when we had the funds to buy the home outright, we switched and had a pre-approval in 5 minutes from another lender. The team and experience with Guild was awful and we are so grateful that we switched. Once away from Guild, the process went seamlessly. I would recommend anyone, and especially veterans, to use anyone else. Guild has no idea how to navigate the VA mortgage process and you deserve better.

They start you off by promising you a guaranteed VA loan and the week before closing... SURPISE the outcome is different and other loans like FHA are persuaded instead. Veterans stay clear. There's no clarity or professionalism.

This company is the worse. Their customer service is horrible. They cancel your insurance by not paying it out of escrow and force you to pay their expensive forced insurance. They refuse to give you the insurance information and policy number that they force you to pay for. STAY AWAY FROM THIS COMPANY. There are better companies that truly cares about their customers.

About a year ago, I had started out with another mortgage company and was getting the run around and then they started changing the terms of the loan. That's when I change mortgage companies and I couldn't be happier. After a year, I have not had any of the issues that others have mentioned. Online payments have been easy and everything has been taken care of on time. I would highly recommend Guild Mortgage Company to anyone looking for a good company to work with.

I'm not using them as a buyer but dealing with them as a seller. They just asked for a 3rd extension which will put them at 45 days if they actually follow through. I'm pretty close to just just cancelling and going back on the market. I will definitely think very hard about ever accepting any offers with them as the pre-approval company.

Am so happy to have this company, all thanks to God for everything and you, you have been so good to me. Am grateful. I promise to be loyal and faithful to this company, may God continue to bless you all.

Storm damage, leaking roof and no it isn't the insurance company that has made my life hell. Unlike most mortgage companies Guild will not send a release of funds so a contractor can be paid. I overnighted the insurance check, paid them an additional $20 money order to overnight the endorsed check back. Only to find out a week later that they only check their mail once a week and only one person can sign off on these checks and this special person is on vacation for another 5 days. So here I am, rain in the forecast and not to mention scheduling a roofing crew is not overnight. Horrible practices, horrible customer service... oh did I mention I have spent almost 2 hours on hold during this entire process? I have been without a job for months due to Covid, I still pay my mortgage. However I cannot pay for a roof deposit and to think Guild will have had this check at least 2 weeks is infuriating.

Used this company to finance my current home. The process was smooth and went along smoothly. The mortgage broker was very good and to this day I call her a friend. Sadly she works for another company now.

Guild made the home buying pretty easy. They were great to deal with and very patient and available for this first-time home buyer. I had previously tried to go thru my bank. That drag out for better than 3 weeks. Guild had me taken care of in 24 hours!

The communication in their office and between customers needs to be worked on. We were 3 going on 4 weeks past closing date. I was told every day during that time that we would be closing “tomorrow“. To get any updates I had to obnoxiously call the loan officers cell because no one would tell me anything from the team line. Our loan officer waited to tell us till 3pm the day we were supposed to close that they were not ready and docs were not going to title on schedule. I had movers scheduled and repairs scheduled to be fixed, utilities were all moved over on that weekend so for me having to cancel in such short notice I was hit with cancellation fees and now have a bill from NV energy company for power I haven’t been using because we closed almost a month later.

Ryan from Guild worked tirelessly to resolve this issue to our complete satisfaction. Thank you Ryan and Guild correcting this issue so quickly.

From the beginning Guild has provided very little help and flexibility in response to COVID, unlike many other lenders who were proactive and customer focused. And the "updated responses" on the website went from no options, to "We won't report you to credit bureaus for being late", to "You can skip a few payments but they'll all become due in full at the end of those few months" (how, how could that possibly help anyone? ), to "You can apply for hardship assistance and at the end we'll discuss options for repayment" (still unclear if the missed payments will be moved to the end of the loan term... like every single other lender is doing. And with a clear, easy, online, transparent process!). This experience has made me reconsider having Guild as my mortgage lender and I plan on refinancing with my credit union.

I am disappointed with this company, and am sharing my experience. I emailed the loan officer from the Pendleton, OR branch as I am looking to purchase a home in December, I had a few questions and was interested in potentially working with this company. I emailed 3 different companies, this one included. One company (Academy Mortgage Company) got back to me within an hour. The other (Banner Bank) got back to me the following week. This company, did NOT get back to me. It's been over a month. I even tried emailing the loan officer from the Hermiston, OR branch, nothing. Glad to take my business elsewhere, would just like to warn potential customers of their lack of customer service

I called today and waited on hold for at least 15 minutes. The customer service rep then told me I would have to be transferred to a counselor to make payment. Another 15 minutes and I just gave up. I have called previously three times in regard to other matters and they never return phone calls. When my forbearance was approved I never got a letter confirming this nor advising me of the conditions of said forbearance. The payment option should not be blocked if they can not answer their phones on a timely basis. Very frustrating. Use another mortgage company is possible.

I have received three phone calls for the same exact thing today! I paid my late mortgage payment this morning and have received three different phone calls from three different loan specialists about it all today? I explained to the First Lady who called then to the second guy. Mind you I waited no less than 15 minutes each time to speak to a live person!! I am a truck driver so no problem but you would think the first person would relay the information to the company??

We were finally able to get with someone who had authority to reissue a check. Thank you.

Escondido office in particular. Do not use this company!! Took many many weeks to process and fund a loan. Had to push back close date several times because they couldn't fund a loan. It shouldn't take 6 weeks to process ANY Loan. Aaron ** only made excuses. Could not get anything done.

I am very disappointed. After numerous times we had emails back and forward with Christopher ** Mortgage Consultant, we decided to fill up the application. No more than 19 hours later I had to email him back and politely asked him to withdraw our application, because of an emergency situation. We agreed not to proceed further, but a day after me and my husband’s credit score was checked regardless. Be aware, there is no way once you put your personal information to cancel your application confidentially. Of course his excuse was that he "reviewed" my application way before I was asking for withdraw-Big FAT LIE! You can imagine if they cannot respect your privacy, what problems you would have with them further. Not professional at all.

Guild Mortgage has been TERRIBLE providing relief related to COVID-19. While other banks offer (in accordance with the CARES act!) to move three payment to the end of the mortgage, Guild Mortgage offers to stop three payments (March through May) to be repay in June! Plus, the June payment. UH?! And if you are in a truly difficult situation, they can work with you to spread those three payments over three months, but you still need to make your regular payment! Do you call that HELP?! A that’s not what the CARES act says. Nobody has held them accountable for it while people are struggling during these very difficult times.

My wife and I decided to give Carson and his team a chance after they were recommended by a previous realtor of ours. We locked in with Carson at 3.25% during our new build process. Let this be a warning, once you’re locked in with Guild, Carson and his staff will put you on the back-burner. This was the case for us. On several occasions we would contact his office to ask a question and were often told “Carson and Meaghan are in a meeting” or “on another call”. We would email them our questions – Meaghan or Carson would reply “I’ll have an answer for you by end of day” and we would never get an answer until 2 or 3 days later after reminding them again.

I’m very disappointed in how this company is handling the hardships Covid-19 is causing many people. My husband was laid off during this time period and will be until possible May. I called to see if they had any options for people directly affected by COVID-19 like many other companies do at this time. Their options was to be able to pay April in May but you still have to pay make May payment on time. I’m confused on how they think that is helpful when you then have to make a double payment in May.

After a change of life event I had to move myself, five large dogs, and five cats as quickly as possible. At the time my credit was not great but I listened to what my loan officer recommended and did these steps according to her expertise. In less than 3 months I was a first time homeowner thanks to Beth ** and her team with Guild Mortgage in Columbia, South Carolina and my amazing real estate agent. My experience was absolutely positive! I will definitely use Guild Mortgage in the future as well. I highly recommend Guild Mortgage due to my great experience.

Guild is an absolutely terrible company to work with. I switched banks back in December and tried to update my autopay on my guild mortgage multiple times. I tried to set it up online several times, but their system was down. I called multiple times over the course of that week - their system was down and their reps also couldn’t help me set up autopay. I had no way to set it up online or over the phone.

They were very good at explaining all the terms and conditions. They even contacted us 6 months later to refinance when the rates went down and walked us all through that. We get emails all the time telling us what the value of our home is at the time and how much equity we have.

I will NEVER use Guild Mortgage again. We did obtain a loan on a fourplex in Las Vegas. The problem was, Guild caused us to miss our closing date for a 1031 tax differed exchange because they kept asking for more financial and credit report information. Then they LIED saying we could use the recording date instead of the signing date of the relinquished property. They immediately sold our mortgage to another loan service company. Don't use Guild Mortgage.

So I recently wrote in the complaint section on Guild Mortgage’s website about the fact that they financed a property without a certificate of occupancy against FHA regulations. The house was renovated (adding 1000 sq ft) and required a CO per city code. Guild mortgage financed the house without verifying the certificate of occupancy and appraised the value of the house at least four times over true value. Now I’m facing an order to vacate from the city on a house that needs 190k worth of work for me to be able to live in and a 259k mortgage to go with it. I have yet to receive the proper response from Guild Mortgage and they continue to bounce me around. Nobody seems to handle those complaints.

I was 2 months late on my mortgage. I sent in 1 payment and the 2nd payment 4 days later. 1 week later I received a letter stating they can't accept my payment until they have both payments at the same time. News flash you had both payments. So now what?

Mortgage was sold to Guild - their statements never line up with payments made. Was in an accident and couldn't work, tried working out a plan with them; never received contact back. 2 months in was called I was in arrears; I asked for a statement to be able to get a hardship from my 401k only to be told there was no way but if I waited another month (of non-payment because they couldn't work out a plan with me at that time) I would be issued a "notice of foreclosure letter". 4 months in I still have no letter - they are returning my mortgage payments as they "are not enough" I need to pay the full arrears. Again I ask for a statement to turn into 401k and get nothing; 7 months in I get served court documents that my home is in foreclosure process!

The hold time is more than 20 minutes every time I call. It offers to give you a call back and then never does. (Tried it more than once, just in case) Then when I finally got a hold of someone, they could not help, did not offer solutions. I asked if I could bring the third party on the line and I was told she could only hold for 1 minute. Brought my client on the line within seconds and then she hung up on him. I have never seen such lack a of professionalism and I work with mortgage companies on a daily basis.

I am shocked to see so many low reviews here! Our loan process was quick and easy and we were taken great care of (props to Troy **). We receive regular updates on any changes to our account and our bill is always reflected properly. The website interface is simple yet informative and we have never had to wait on an answer for any questions we have had. I highly recommend them!

I had chosen Guild Mortgage for the house loan as my realtor referred me to this company and it was a big mistake choosing this company. As we were approaching the closing date of Dec 19th 2019, on Dec 16th the company's server crashed. I was told that we won't be able to meet the deadline of Dec 19th closing date and also they had no clue as when the closing date could be met.

Guild Mortgage Co. is the one and only mortgage company we have EVER had a problem with in the purchase of 6 homes from various lenders in our lifetime. When sent proof of our home owner's insurance, every year, Guild starts sending us letters stating that their records indicate that they have not received proof of that insurance. When we call the customer assistance number that they provide, we give them the dates & avenues that the proof was sent (this year it was THREE times) and then they tell me they're sorry but they can't see our records so they can't check for the proof that our insurance has sent them on any of the dates I give them. So, HOW does this assistance assist me? IT DOESN'T. I was given an email address to complain. Period.

I called for a payoff on our mortgage. I was told I had to submit it in writing (with some detailed instructions) by FAX or Email. This was Monday, the 16th. The local Guild office was kind enough to fax the request for us. I was told it would take 72 hours. I called the main office Tuesday to make sure they got our fax and was told that they couldn't check because the computer "system" was down. It is now 5 days later, I've been calling since yesterday and keep being told that the "computer system" is down. I can't believe that in a city like San Diego that someone there can't fix a server issue in a week? This isn't passing the smell test!

My family member was to close on a home this week, unfortunately using Guild Mortgage. Less than an hour before they were to close, the loan officer’s assistant (that’s right - the original loan officer has gone missing - never to be heard from again) calls using her phone to tell us we can’t close because “the server went down mid-day yesterday” and "we don’t have the paperwork printed. We will let you know when we can close." No call the day before, money lost to take off work (a call the day the make-believe server went down would have been courteous), no closing. FOUR DAYS LATER and still not closed, still haven’t heard from the loan officer, & no explanation.

Experienced financial hardship due to MVA. Asked Guild for help. Said they would only help AFTER I fell delinquent. Tanked my credit despite me communicating with them every step of the way. Applied for loan modification. Approved. Paid as required. Got letter saying we'd passed the three-month trial period. Harassing letters and notices on house haven't stopped. Called the company (again!). Told "system is down" and call back. This is the third time I've tried to get this harassment to stop. Have been told they "can" continue to harass us (my words) until "everything is done." Don't know what that means (as I said, we've paid all that we're supposed to and on time).

Just had my payment increased almost $100. Stating that deficit on escrow account. I reviewed the statement of fees and see no increase in property tax, FHA insurance or my HO insurance premium. I don’t understand why the payment can go up so much in one month. Also charge late fees for online payments made prior to the 16th because their system doesn’t credit you for that payment for 3 days following. This is an unfair and unethical practice. Will never use Guild Mortgage again.

My experience is with Guild Mortgage of Henderson, NV - Becca ** is the Branch Manager. I recently refinanced my mortgage with them. They are the original mortgage holder and they were the ones who called me asking if I would like my interest rate to lower a bit. Which I agreed. Not only did the process take approx. 8 weeks to complete the refi but customer service with this branch is the worst. I keep receiving marketing emails from Becca **, but when you email her, she does not even respond back.

This is the worst mortgage company we have ever dealt with! They have taken our monthly escrow so high we can hardly afford it due to their mistakes! Forgot to pay a tax bill, didn’t collect the right amount on a refinance.... The list goes on and on. Every 6 months are mortgage goes up! If you can avoid them, do so at all cost!!!!

Hello, and good morning. I felt it right to write a review, notifying any future customers it is in their best interest to stay FAR AWAY from this company. This was my first mortgage and home, and the loan was issued with Coldwell Bank. No sooner than moving into my house, I was notified that my loan had been sold to Guild. A company that was based out of California (I was in Florida), with no offices even close to where I lived. If any issues were to arise, they would have to be dealt with in a very non personable, over the phone communication. (Not what you want for the largest purchase of your life.)

I just refinanced my home and Guild was my mortgage company up until now, they have been paid off for my mortgage and are holding my escrow payment hostage for another 15 days when they’ve been paid for over a week. Called and talk to their customer service people. They said there’s nothing they can do about it to speed up the process. You would think a company that already has my checking account wouldn’t waste their time sending a check out when they can direct deposit it back into my checking. I would not do business with this company ever again.

I recently had a terrible experience with Guild Mortgage. I had recently changed bank accounts. I went online to stop my ACH with Guild and got a notification that this had been completed. I then went and changed my bank information and restarted my ACH and was told that this was completed. I did this 4 days before my payment came out. Much to my dismay, my old bank account was severely in the negative the next week. When I went in to look, my mortgage payment had gone out of my old bank account. I immediately called in to Guild Customer Service and I was told that I was supposed to have made that change 7 to 10 days prior to my payment due date. I explained that nowhere on the website was I told this. I was told that I was mailed a letter letting me know this. I explained that this was Tuesday, I had made the change the previous Friday and that I had not received that letter. Nor have I still a week later.

My credit was not the greatest and I had been doing my darndest to get it back on track so that I could buy a house for my son and I. A realtor suggested I contact Caitlin **, she reported how creative she was and possibly could set me in the right direction. So I make the appointment with her only she never called. That should of been my first clue, but I looked the other way; finally, I called her after waiting a half hour. She told me to do three things. I got the information for her as quickly as I could. She told me she would do a rapid rescore and get back to me because it would only take 3-5 business days. So I emailed her several times and never got a response. Weeks went by and I still never heard from her. So I called her, reminded her who I was and what was the status of my rapid. She told me that the documents that I faxed were probably too dark but would let me know.

Guild pulled through for us during the home buying process which was great. However, they inaccurately reported me for a late payment this year to the bureaus which of course caused a negative hit to my credit report. I contacted Guild to discuss the FCRA and they refused to budge, and said “late” is based on when they close their books for the month, not actually by 30 days past due as the FCRA outlines. I opened a dispute directly with the bureaus and the bureaus have corrected my report. My recommendation: UPDATE YOUR STANDARD BUSINESS PRACTICES TO ALIGN WITH THE FCRA. Consumers should not have their credit falsely impacted and forced to dispute elsewhere to get a resolution.

Selling a home to buyers going through Guild Mortgage in Fort Worth TX. Have been trying to close for the last 4 weeks. Have a house to buy which is contingent on this house selling which we were told would close July 3rd. Today is August 2 and still waiting on a closing date. This is the last extension for us to buy our house and still no word from Guild Mortgage. The buyers were told it was going to close on July 19th so they moved from California to TX now with nowhere to go. We are letting them lease the house, but for how long??? Keep getting the runaround . No one cares at this place from the underwriters to the lenders. Truly an upsetting experience for my 82 year mother the seller. The contract was signed May 10th, the contract with the real estate company expired August 1st as has the contract with the buyers.

While our experience with securing a loan was good, our experience with this company after suffering a flood to our home has been awful! Our basement flooded in April. It's July and Guild will not release the funds necessary to pay our service providers. They've lost (claimed to have never received) authorizations sent via email AND fax. They've lost (claimed to have never received) the adjusters report that was over-nighted along with the check from our insurance company. Somehow they received the check but not the adjuster's report that was in the same envelope.

First time using Guild Mortgage. At first I thought they were great. My husband and I have been with Guild for almost 2 years now and they are HORRIBLE!!!! We will NEVER work with Guild ever again and I don’t recommend them to anyone. We’ve been having issues with this company since 2/2019 when we received our new 2019 statement. Our mortgage was going up $350! Talked to them and they said something wasn’t right. Apparently can’t figure this matter out now for over five months now.

My husband and I were in the market for a VA cash-out refinance. We had been shopping around. When I received an email from Guild Mortgage requesting I contact their offices since this is my current lender. We did contact them assuming that the process might be easier working with the company that has our existing mortgage. Was I wrong! Initially when I completed my application online I had to reach out to Kim ** myself since it took her so long to contact me. I was thrown off because she answered the phone with a simple “hello” no acknowledgement of the company she worked for. I assumed I had called the wrong number! Fast forward we have turned in all required documents after it took her assistant Heather 3-4 days to even email them to us. We signed our disclosures and the appraiser had just left our home no more than an hour ago.

Where do I begin. When my husband and I started this process we were in perfect credit position to do this. We left a lender to go with Guild based off our Realtor's suggestion. It was a mistake. STAY AWAY FROM THIS LENDER. The loan officer goes on vacation in the middle of processing our file and when she comes back all the documents we sent while she was out she asked for them all over again. In the mean time over 35 inquiries between my husband and I and they printed this didn't affect us. We sent letters they asked for and a week before closing they stop us and say an open dispute needed to be close. The pan officer swears she never mentioned this to us. They rescored us and our scores had dropped almost 70 points from the time we started. These people had us pay for inspections for the deal to fall through in the end. They took too long with our file. We gave them everything that asked for and more.

Recently had damage due to a storm, sent the check to be endorsed. Waiting over three weeks, still no check. Called to ask about the check. Still no clear answer on when it will be sent out so I can start repairs, want to hold money so that “they” can send an inspector to make sure work was done right. In the meanwhile I can’t find a contractor that will work for free until they release the money. This is no one's urgency other than mine, in the meanwhile I’ll continue to pay my mortgage on time, for a house by the way we can’t stay in due to the damage and I’ll continue to pay my insurance premiums on time.

Ken ** has gone above and beyond to make sure I get what’s best for my situation! He is always available and explains things to me since this is my first time buying a home! If anyone is looking for the best lender KEN ** is the person to go to! Thank you Ken for all your hard work and patience with me!

My wife and I sold our lake house and found our retirement home! We were informed by our realtor to use Guild Mortgage Company out of Fort Worth Texas. We submitted all paperwork for the loan including tax returns, paycheck stubs etc. Being retired military in senior leadership it is easy to see incompetence and the manager during our loan process decided to take a vacation. We were then contacted by several employees who were covering for her and were told ten different things! One employee would say we need documentation and the other employee would say that wasn’t necessary. Too many that want to be In charge! Mind you this was the fifth house we purchased so we knew going into this what to expect. Due to their incompetence we were forced to change our closing date three times almost lost our escrow money! Even on the day of closing they asked for additional information!

Supportive, Communicative, Knowledgeable. This team is a dream to work with. The documents are able to be signed by cell phone, or by laptop and navigation is easy. This is so underrated for us working people who don't have a home printer, and don't have time to find one. They are available for questions even after hours, I was blown away. No question is ignorant or ignored. They always give you the truth and your options. Customer service is key when making a huge decision like buying a home especially when the contract fails or has issues. We had an issue with our contract and they were very supportive, even in our disappointment. I can't say enough about this team of professionals.

From the time my loan was closed the amount owed on my mortgage was less than 80% of the appraised value but Guild uses purchase price (NOT appraised value) to determine if PMI would be required and that put my mortgage at over 80%. This also required I escrow. I was told PMI could be moved with a new appraisal in one year. At the time, escrow was not an issue. Then, at the end of that year I was told NO I would have to pay 24 months of payments. In the meantime, my property taxes doubled in one year and a resulting recalculation of escrow requirements and a deficit balance increased my mortgage payment by over $500 per month!! I now wanted out of escrow requirements, as well.

My Husband and I have had two terrible experiences with Guild Mortage in the course of 4 months. First and foremost, they did not make our loan processing date so we could close on time. One would think 2 months would be adequate time to process our loan. Especially since they verbally told us it was and did a hard sell on us to select them as our mortgage company. We have excellent credit and are in good financial standing so the closing should have been effortless. Because we missed the deadline, it cost us more to renegotiate the contract with the seller. When I filed a complaint with Guild, I got a detailed letter back explaining that it could not have been their fault. That was the first experience.

I used this company for home loan. I was lucky enough to pay off the loan by maturation time. I will never use and recommend this company for my future activities. Its customer service has poor quality. During application for loan and loan period, I had multiple related questions which in many, loan officer was unable to answer. In occasions, they never got back to me (such for Mrs Georg **). Sometimes I felt at this company, "right hand" does not know the "left hand". Try different company.

Just recently I filed a chapter 13. I kept my mortgage up to date during this time. For unknown reason Guild Mortgage is charging me 950 dollars for some law In the state of Nevada. These bloodsuckers are guaranteed the money back on the loan if I default. Can't believe they do this then some leech attorney out of Las Vegas sends me this in the mail after I file and almost finished. Doesn't give me much recourse but pay but to who doesn't even say where to send the money. I would never again would recommend Guild Mortgage to anyone nor my brother. He has had bad experience with them to treated him like a thief. Kept asking where he got his money from. Same here. Don't ever use these people. Beware.

I was billed for force placed insurance in August 2018. I got my own insurance the same month. When I received my yearly analyst in December I realized I was billed twice for insurance. I called Guild Mortgage to find out why I was charged even after notification of the new insurance the same month. I was told the force placed insurance I was billed for was 2017 not 2018. Guild Mortgage had charged me for backdated insurance during a period when no policy existed. By their own admission the insurance company did not even report the cancellation to Guild Mortgage until May 2018. When I inquired about information regarding the policy I was charged for I was given fraudulent information. This caused a shortage in my escrow account and a higher mortgage for the upcoming year and to make matters worst I'm still not sure what I'm paying for. An imaginary insurance policy.

Jeremiah ** called me 12/31/2018 to discuss mortgage options with me. He said that Guild Mortgage would perform a soft pull only on my credit. He assured me, repeatedly, that this was a soft pull and would not affect my credit. One hour after getting off the phone I was surprised to receive an email alert from several credit reporting agencies that a hard pull had been performed on my credit taking my credit score down from the 740s to the 720s, now seriously impacting my life and ability to buy a home. I am filing a complaint with BBB, giving them negative reviews everywhere possible to warn other victims and I will be consulting an attorney to find out what legal action I can take again Guild Mortgage and Jeremiah **.

We utilized services from Guild Mortgage, Federal Way with April ** initially in 2014. The purchase of our home was effortless. Upon refinance, it was and has been a disaster. She mislead and misrepresented information so grotesquely that we cannot get the PMI off that she said would be, "effortless" and "no problem" by December 2018. We signed the contract, so shame on us. More importantly, we trusted April to be honest and an expert in her field. It appears that she intentionally mislead us to "close the deal". I am deeply disappointed and cannot and would not recommend her to another buyer.

My husband and I worked with Roberto ** of Guild Mortgage in Tucson, Arizona on our recent home purchase. Mr. ** and his highly qualified team kept us in the loop every step of the way. They were in constant communication with us. There were no surprises. They made us feel like they truly cared about us as people, not just as clients. Everything went smoothly and seamlessly. We are so happy, and have no doubt that we made the right choice going with Guild Mortgage! We highly recommend!

Update on 01/05/2019: After a long battle with not being successful loan modification my property is being sold. I have requested from L ** and V ** that monies from the Trial payment plan and the Insurance monies be sent to the title company to be disbursed against the payoff of the mortgage. It has not been complied as requested. If the monies are not disbursed and returned, I will file a complaint against Guild Mortgage with the appropriate departments. If Wells Fargo can be fined for wrongful doing so can Guild Mortgage.

Alisha ** and Guild Mortgage in San Diego was such a great person to work with from beginning to end! She was such an utmost professional, but also made us feel like family. We felt welcomed by Alisha right away. Her knowledge on the subject-matter really helped us as first-time home-buyers when we had any questions and she was there to answer us at any time. We loved working with Alisha and Guild Mortgage and would definitely work with them again!

I started working with Guild Mortgage in June. Worked on building my credit up. I am a single mom, I've worked very hard to get here. In August, Minde with Guild said we were good to go. She worked closely with my housing and down payment assistant and told all of them we would close in October. I gave my notice at my apartments, I set up my home office for work to be switched to new home, the sellers flew out here to move their things out. Last Friday our sellers agent told us Minde called her and told her we were denied and even sent a declination letter to the sellers... I received in mail on Saturday the same letter that she apparently sent Thursday after still telling us on Friday that we were working on an employment verification but everything should be ready to go still.

On October 2, 2018, I received a false claim from an unethical LLC that I had a mortgage with Guild Mortgage Co. No such mortgage ever existed, I never even heard of the company until today. It is obvious that Guild Mortgage works with scam companies to interfere with one's right to the quiet enjoyment of their property. Doing business with Guild Mortgage helps the company to help other companies engage in fearmongering against homeowners.

After a 100 year old oak tree came down and demolished my chicken coop, shed and outbuildings, GUILD mortgage was to become my worst nightmare! As a 59 year old woman, and domestic violence survivor who was awarded my home in the divorce from my abuser over a year ago, I have been treated with absolute disrespect, unconcern and red tape. The insurance paid the mortgage company and made the check out to Guild and my ex-husband. When I pointed out that my ex legally has nothing to do with the property and is even under a restraining order of no contact, it still made no difference. Despite sending every possible piece of legal documentation, the new DEED in my name, divorce decree awarding the house solely to me, court paperwork of my name change, DL in new name, SS Card in new name, even a copy of the restraining order (this was just nosey, and had no bearing on the house ownership)

I've purchased several homes in the past but this transaction with Guild was by far the easiest and smoothest to date. My loan officer and her team made this as stress-free as possible for me and my family from the very beginning. The process was a little challenging because we were moving from out of state and most of the work had to be done over the phone/internet. Although we have bought several homes this was our first in North Carolina so the extra guidance they were able to give us was very much appreciated. My kids love our new home and my husband and I love how simple it was to get to the closing table. When we are ready to refinance I will absolutely give Guild a call.

I was working with Luc ** (NMLS ID #**) in Plano, TX and he was never easy to get a hold of and he just disappeared. He was supposed to call me two days ago and I texted him. He told me "one sec" and that he was working on a loan and that he would call me. I have never heard back from him. He was supposed to be working on my bank statement loan for a mortgage after I submitted all of my bank statements. If I would have seen all of the reviews on this site, I would have never submitted an application with Guild Mortgage in the first place. I found a loan with another lender. There is no reason to chase a loan officer for a loan. I will not do business with Guild Mortgage or Luc ** now or in the future.

I would highly recommend this Guild Mortgage. We have never has such a easy home buying experience. They were on top of things. Kept us well informed. Kim would call us back right away if we left a message. Everything went so smooth I could hardly believe we were buying a house. We have bought homes from other Mortgage companies and it was terrible. This was the best home buying experience we have ever had. I have recommended them to two of our children for their home purchases and would recommend them to anyone. Loved them!

DO NOT use this company. If you ever have storm damage through insurance they'll take your check and you'll be playing phone tag and calling non stop to try and get your endorsed to pay to have the repairs done. They will lie and feed you fake promises and then talk down to you like you know nothing about the process. I had to pay for repairs out of pocket and now waiting game to get check back. I should just give you the house back and let you foreclose on it.

I am 23 years old, an Air Force Sr. Airman and a first time home buyer. A friend told me to use Guild Mortgage in Tucson, AZ where I am stationed. I bought my first home almost 2 years ago. For the past 7 months I have been struggling to make payments as my mother's disease stopped her from working and as the only son, I provide for my mother and 12 year old sister. Guild told me I could apply for a VA modification of my VA loan. I sent all the documents 5/22, they said it takes 30 days. I called on the 31st day and was told that it was not submitted to the VA but to Guild's own internal modification but because my mother's medical situation will not change, they denied me due to my income being too low to take care of all of my expenses and my mother and sister.

I inquired that alone with Mike **. He had me jump through all kinds of Hoops and then I never heard from him again leaving me in a very bad situation. He told me, "Don't worry. I have 39 years of experience." Now I can see all 39 years are very negative. I will never do business with Guild Mortgage and I will never recommend them. Mr. **. You Oughta be ashamed of yourself.

Went to closing and signed all my paperwork, 2 weeks later I get my first bill and it's $80 more than what I had signed and agreed to. My loan contact STEVE ** at Guild Mortgage in Newberg, Oregon tells me my closing papers were only an estimate. This is my 4th home loan, I've never had this happen. I believe Guild lied to get me to take out my loan. The escrow company agrees this is a very strange situation. I will never do business with this company again. I would also recommend them to no one as they are dishonest and can not be counted on to give the consumer accurate/truthful loan information.

Barely started the process and was told I could not be on the loan with my husband due to my credit score. I know this is incorrect since the FHA grants loans with as little as a 500 credit score. Pretty sure our loan officer just did not want to work to get us into a home. She did not seem very motivated or informative. Very disappointed.

I understand how the Guild Mortgage loss draft policy works. And I do understand why this policy is in place. I guess in rare instances people will walk away from their damaged property taking the insurance money with them. I am not one of those people. I love my house and my property. I even love doing the fix up and improvements to my house and property. That's why when we sustained plumbing and water damage and filed an insurance claim we were anxious to get all the repairs done, in a timely manner I might add.

I was sent an email about working with this company, so my husband and I decided to put an application in and we were told that they could help us to secure a loan. Well after completing all of the paperwork, we were told that we would have to raise our credit scores in order to get the help we needed. Well after over a month with no contact from them, a branch manager contacted us and said that they would be able to help us after all. She emailed, then called to discuss our situation. She was friendly and nice, but that's the extent of it. It's been over a month now, and we haven't heard a word from her since. She doesn't respond to emails, phone calls, or text. This has been one stressful experience to say the least. I'm so happy that we didn't put out any money. I'm so elated that I read these reviews, and now I know that this is NOT the company for us. Thanks to all that shared their experiences with this company. It saved us a lot of heartache.

I had an issue with a different lender that could not get the deal done. The seller was going to pull out of the deal if I could not get the loan funded in a short amount of time. I went to Guild Mortgage in Spokane, WA on the recommendation of my real estate agent. Julia at Guild Mortgage was confident she would be able to get the mortgage funded by the seller's deadline. I must admit I was skeptical, we only had 10 business days to get it done. Like magic, Julia had me through underwriting within three business days, sent me my closing agreement in 7 business days, and we closed in 10 business days. 10 business days to close! Guild Mortgage saved the deal and my wife and I are now first time homeowners.

Posting a 1-star having removed a star for every despicable thing Guild Mortgage in San Antonio on Sonterra Blvd. did over the course of our home purchase. Most people will unlikely read this full review, but we cannot refrain from providing a fair account of our recent loan experience (2017). Despite our better judgement after reading national reviews concerning Guild Mortgage, we proceeded with Guild after they 1) reaffirmed us “this office is not like the rest; we have 100% good reviews.” and 2) “we will not sell your loan. We have our own servicer that will be financing and managing the mortgage over the life of the loan.” Despicable Practices:

I recently sold my home and was able to pay off my mortgage with Guild. I have a large escrow refund check due to me and have been waiting over 4 weeks as of today. I've called their Customer Service four times and the service gets worse each time I call. Today, I asked to speak to a supervisor and the agent hung up on me. I work in customer service. Most of us would be fired for treating customers the way Guild's Customer Service speaks and treats customers.

My realtor suggested I apply with this company as they supposedly do work with Home At Last. I took the course, got my Certificate, submitted scads of paperwork all online. That was October 10th. I heard NOTHING from them... However, they did contact my Realtor and said they weren't able to help me because I was looking at Manufactured Homes. TEN DAYS LATER they ran a hard credit inquiry on me! Still I heard NOTHING from them. What was the purpose of the inquiry knowing they wouldn't lend to me? They get ONE STAR from everyone because we can't give them MINUS FIVE.

Something is very wrong at Guild Mortgage - based in California. They will not return insurance checks to fully-insured Hurricane Harvey flooding victims. Are they going under - cashing the checks??? What they are doing is wrong per Texas Attorney General's office. You will regret using this shady lender! They say an investor has to approve the bids on work to the homes - it is always a new excuse. Again, this is not ethical!

Hello. I typically don't like to complain about anyone but I am a first time home buyer who doesn't have a lot of money, a single mom who spent the past year raising my credit score to a 747 after a divorce. Guild Mortgage gave me false hope along with a promise of an approval letter after I in return provided them with all my personal information also having to pay for all the faxing fees after being promised I was approved and the approval letter was on the way. I was so excited but the letter never came nor a phone call back explaining anything I was promised or even if something happened as to why I was being rejected. Absolutely nothing! It was heart wrenching and brought me to tears as this was a huge deal to me. I would not recommend this company to anybody and was very dissatisfied as well as upset!!!

Looking to do a refinance I decided to use Guild Mortgage. The branch in Sacramento was asking for documents that had been sent July 8 and 9 2017 and they were now asking for the same documents again. Very incompetent branch manager. And when I question the request I was told that I was confused with another lender, then later he sent an email saying I was right and he was wrong with no apology. Just incompetent, awful.

Leah at Guild Mortgage is awesome. I tried to get my pre-approval letter from my local credit union that says they do mortgages. After 2 weeks, I pulled all paperwork & scanned it to Guild in Seattle. Pre-approval letter done in 4 hours! Never had to drive to Seattle, everything done over phone & scanner. Got the house I wanted for the price I wanted. Thanks Leah!

My wife and I bought a vacation home in Pacific City OR and used Guild Mortgage. They were atrocious. We had to resubmit paperwork numerous times, they delayed the closing for 3 months and whenever we called it was as though we were talking for the first time. The staff was incompetent and disdainful. I'm praying for the day when they sell our mortgage.

I don't understand the bad reviews here. From my experience, Tim worked very hard to help us through the entire process. He and I were in constant communication, even sometimes in the middle of the night. I was in Maryland trying to find a VA approved home to retire to at the beach. Tim was our rock and advisor. He even advised me about selling our home in Maryland first. Then it literally took six months for us to find our forever home. Tim was such a help and actually knew the area so well, he advised us along the way with such patience and care, I could not believe that a loan officer could be so caring. If you are thinking about moving to this area, I would highly recommend Guild Mortgage and especially Tim **. Thank you Tim!

As a licensed realtor in the state of Texas I will NEVER allow my client to accept an offer if they are the seller or my buyers to use Guild for their lender! This has been a horrendous experience for both seller and buyer!! At this point we are almost 7 days past original closing date with NO end in sight. If Guild does not pull this together and close by Wednesday on this loan your client (the buyer) is set to lose a large amount of money all due to the dishonest, unprofessional and unacceptable behavior of not only the loan officer Maria ** but her Supervisor. I have spoken to many agents in my office since this started and they are all of the same mind -- NEVER GUILD!!! Most painful and terrible experience I have had as a realtor with a lender! This will also be reported to the appropriate agencies in our area including the BBB.

Getting a loan and closing was no problem unlike many reviews. We had a great experience with our loan officer. Fast forward almost 2 years later and I'm very disappointed. We recently went from a 2 to 1 income due to a company buyout with my husband's job. I called Guild to check our options of what we could do until our house could sell. They were very rude, unprofessional and had no sympathy whatsoever. We have perfect credit and have never made any late payments whatsoever. They suggested we apply for Forbearance so we did... almost 2 months later they still claim we are missing paperwork yet we've supplied them with everything they've asked for, they won't return our calls of questions and are extremely rude and unprofessional.

The home mortgage (new single family home purchase) was a flawless, <30day event. No snags whatsoever. The loan closed and escrow management is where I have issues. They intentionally withhold in a separate area of the statement an amount of rolled escrow from prior year and then on the monthly statements you will only ever see the current year's escrow info. RESPA requires lenders do not collect in excess of more than 2 months of current escrow requirements for that year based on the prior year's costs. Guild seems to know this - which is the reason to 'hide' your unused, rolled escrow in another area of the statement. You better keep track of what you are paying because they will hide and keep it from you. I threatened and followed thru on contacting the federal lending oversight agencies and reported Guild because they illegally withheld some $700 excess and STILL increased my escrow payments! Once the federal agency got involved, I was promptly refunded and my original escrow payments were adjusted to comply with RESPA guidelines. Ethical business would have made the correction without the drama and once it was pointed out -- not Guild :o(

Processed our mortgage through Guild and had a horrible experience. They delayed the closing of our house several times and repeatedly asked us to resubmit paperwork. Since closing, contacting them about my mortgage has been a nightmare. Repeatedly long hold times and no call back after leaving multiple messages. If I could do it over again, I would go with a different company.

I was referred to this company by a realtor after my husband died. I refinanced with them, it had been years of miscommunication, inept and incompetent people seem to work there. I'm trying to pay off my mortgage but my prepayments have been returned to me and I somehow end up in late payments! Any advice on how to get away from this company would be appreciated.

They have delayed the closing on a house we are selling several times. Never have all the documents they needed. Delay of closing because buyer is "waiting for money to be placed into her account". Never have had this happen. Would not recommend them to anyone in San Angelo, Texas.

I had to come here to give a review because most reviews are left by angry people. It's hard not to get blindsided when you're looking for a good company to do business with and no one ever tells the success stories. I created an account just to leave this review because I wanted the world to know about my experience with Guild.

If you need your sanity for life do not choose Guild Mortgage for your loan!!! The company we were originally dealing with changed to Guild in the middle of closing on our home, we had to turn everything back in to them as if we were new customers qualifying for a home. They never answers the phone. Nobody will ever give you honest answers. They will string you along to make you think everything is ok but in actually they are plotting a way to decline your loan. We were dealing with them for 2 months before we had to show up in the area manager's office only to say their underwriters couldn't approve our loan. If you disregard this review of them as I did you will regret it!!

We purchased a home through Guild in March of 2016. Everything was going great until I lost my job and we went from being a 2 income household to a 1. Not only that but we experienced some pretty huge hardships that left us basically penniless. Guild helped us get through by offering flexible payment options and plans. I would recommend them to anyone!!!

We sold our house to well qualified buyers who are using Guild Mortgage. Today, we missed our 5th scheduled closing date because of Guild Mortgage. Guild has come up with excuse after excuse for delaying the closing. It's now been more than 3 months since we accepted the offer on our house. Today was our 5th scheduled closing date, and we were assured by the regional manager at Guild that there was no reason we would miss this one yet here we are.

My experience with Guild began ok, the process was ok. The staff were ok at the beginning. Soon after the nightmare began. Trying to make a payment was like picking needles out of a haystack. You're on hold forever. Let me back this up. The online payment system is a joke and I don't trust these people so I like talking to a human.

Joe ** was able to get me a loan when no one else could. Not only that, but he and his company were very fair. I am a Veteran with NO credit. He got me the loan at a good interest rate and was also more than fair in the charges for the loan. I live in AZ and bought a property in Tucson. My realtor referred me to Joe and told me that if Joe said he could do it then he could. AND HE DID! The staff was easy to work with... nice and friendly. I don't know why the company has such bad reviews because my experience was very positive and I got my home! Joe even came to the closing and bought me some candy and gifts... very nice man!

This company does not even deserve a one star rating. They deserve a zero rating. We purchased our house this last January, they totally ignored the Appraiser's report. If not for my own due diligence we would not have closed on time. Their local office and their home office DO NOT COMMUNICATE!!! Case-in-point, after several months we were and are getting a mountain of offers to refi our VA loan using an Interest Rate Reduction Loan, to be fair we gave Guild the opportunity to compete for our business. They asked us what we wanted and we told them a lower interest rate, smaller payments, and no payments for two months. They promised a better deal so we went with Guild. Their better deal was a rate reduction from 4% to 3.5%, but after all of their fees our payment was reduced by $175.

Please if you are a single mom or first time home owner do not go to this company. THEY LIE, give you false hope, and completely leave you even more in debt than you begun with. My daughters and I are now almost homeless because two weeks until we closed, things changed, and they dropped the ball. They screwed up and we suffer the repercussions. We paid for an inspection, surveying, transferred utilities over and packed our home with 30 day notice to previous landlord and 2 weeks before closing we were all of a sudden no longer approved. Even with an immaculate co-signer they did not offer any help in other loans or services and just left us hanging. PLEASE DO NOT USE THIS COMPANY...This one is located in Longview, Texas. Sincerely - broken hearted broken pocketed single mother.

I won't go into the lengthy experience but I will definitely warn others to beware of this company. Every person we dealt with was unprofessional and unqualified. Over 60 days to close FHA loan? The whole process was unorganized and we had a total of 6 closing dates that the loan officer, Samuel **, failed to meet. We eventually closed but with unnecessary headache. This company is ran more like a bank than a mortgage company with their closings. Horrible experience!

I applied for a loan on their website on a Sunday. I never received any phone calls or emails from them all week. On Saturday I received the letter with my credit score and explanations they are required to send when they pull your credit. Nothing else. “No, Thanks for applying but sorry,” or “You can get this much mortgage.” Very poor customer service. If this is how they treat applicants I hate to see how they are with account holders. I will be using a different mortgage company.

Frankly, Tom ** with Guild Mortgage is dishonest. Recommendation: avoid. This is a guy who doesn't realize or perhaps care that his influence over the purchase of your home can have a lasting impact on you and your family. He is untrustworthy and lacks scruples. Perhaps my dealings with him were when the finance industry was more poorly regulated, but given the chance he will mislead you, not find loans that are ideal for you but sure to maximize his reward, and surprise you at the loan closing table with a host of unpleasant surprises. Also, if he was recommended to you by your realtor, it would be a good idea to dump both of them and find someone new to help you find a home. Good luck!

I was contacted by Guild regarding refinancing my home at a lower interest rate about 2 months ago. Considering that when I bought my home it was financed through Guild but sold to a bank I was all for it. The original dealings with them was not perfect but not horrible. I was lead to believe that I would end up with about 1,400 in my pocket when I told them I did not want any out of pocket expenses. I am single so finances stay tight. I was supposed to close on June 27th with my first payment being on Aug 1. Then it got moved to June 30 then to July 1... I have to pay almost as much as my house payment with my first payment being due on Sept 1. I drove the 45 mins to meet with the notary leaving work early to make the appt time. I received a call from the notary stating he had not received the closing docs yet.

Ron and team made sure to close in 30 days and made it easy. I can't recommend them high enough.

0 communication. Always has an excuse why communication could not be established. Called corporate to have them check on lender to make sure they were still alive. That's how bad the communication was. Not very organized. Buying a house is a nightmare because people like this make it that way. It really does not have to be this bad but when lenders and real estate agents cant communicate it's a nightmare. I would no recommend them. I only used them cause a friend recommended them. Horrible communication and I'm still not done yet, we close hopefully in 4 days. If the lender does not communicate with me we may lose the house altogether and then I would have to ask for money back from Guild, and if they refused I'd have to sue them for the money. Stay away from Guild, they will only make buying a house more miserable than it should be.

Guild Mortgage Savannah Office - It was a discouraging experience as a first time buyer using this mortgage broker. As a potential first time buyer I made it clear to the broker working my loan application that I was interested in the Georgia Dream down payment assistance program. I emailed her consistently asking about our eligibility. She told me we were not eligible due my credit score not being high enough, but she can rapid re-score and let me know what I need to do. I told her in an email, that if I was not eligible for down payment assistance at this time then I will wait until my score meets the minimum. She assured me everything will be fine. This went on for a while, when I asked again about the down payment assistance, she told me that I was ineligible due the household income limit was 59000.00 (this is for a household of two).

I am Realtor in Las Vegas and was introduced to the loan officer Nick through my coworker. I suggested to my client that he work with Guild. 5 MONTHS AGO was when the nightmare began and my client and I are still dealing with their nonsense daily. I have had to extend the contract 5 times to allow for them to complete paperwork and 1 week out from close they still do not have Underwriter approval. Client’s earnest money at risk and no one there seems to care or show any sense of urgency. Nick's boss is his cousin so no accountability there and their boss Stacie keeps deferring contact and sending me and my client back to Nick who for whatever reason is unable to hold anyone accountable or be accountable. I have been in the Real Estate business for over 7 years and have never witnessed a circus like this. If you want your loan to close and want a low stress experience run for your life if anyone suggests using Guild. Never again!!!

I was pre-approved for a loan - I actually found a house I was interested in and we set a date to close for the end of June. Because my loan officer wasn't getting paid she put our loan on the back burner. Needless to say we had to extend the closing date several times, now the seller is asking for more money to extend it one last time and we still do not have a clear to close. Our application has been to underwriting three times and they have all the paperwork that was requested. Before we give up any more money we would like to know that we will be able to close but the loan officer cannot give us a direct yes or no. We have decided to just cut our losses because it's just too stressful dealing with someone who has a very bad attitude.

I applied for an FHA loan out of the box on/about jun 8th, 2015. Immediately the broker had my credit report (because I brought a current one and disclosed all, including 2 short sales from 3+ years ago). Even so, the broker said the FHA loan would be "no problem" with my salary and my credit report, as long as we got a certain minimum score, which we did. He set the settlement date at July 10, knowing my new job start date was July 20. Beginning July 6th, furniture on truck, me just pulling away from east coast of US, I am told settlement needs to be moved to July 17 because "paperwork is needed". I am dumbfounded!! What paper? I have sent everything that was asked. Now someone else is asking for things that I offered the other broker and was told wasn't needed, plus things I already sent.

I made contact with Mortgage broker Kelli ** on 1/28/15 regarding purchasing a home. I forwarded her all necessary documents for her to pre-approve me for a home loan. She advised me I was pre-approved for $120,000 home loan. I went under contract for a home in March of 2015. However, when the seller attempted to verify my loan approval, she was advised Ms. ** was no longer employed with the company. Ms. ** was previously employed with Primary Residential Mortgage which I initially started the home buying process. She went to Guild Mortgage and did not notify me of the change which in turn caused me to lose the home I was under contract for. I contacted Ms. ** about the discrepancy and she was very apologetic for not informing me of the change.

We were promised a rate and a loan and 7 days before closing and furniture on the way, we were told we couldn't have the rate and had to gone up with 26000 and had to pay PMI. We were stuck in a box. We couldn't go anywhere else on time to close and now we pay 220 more a month and a point higher than we were told. We want away from this company asap.

My husband and went to Guild Mortgage in Meridian for a new construction home loan. We are completely disappointed with the outcome of our loan as well as the communication. I am not one to write a negative review like this, but we will NEVER do business with them again nor would we refer a friend or family member to them. We had met with our lender Amy a couple weeks before our closing and went over the numbers. We had our payment and everything in front of us as well as our rate locked in. Her exact words out of her mouth are, "Everything is set and ready to go. You can now sleep at night."

We have 800+ credit rating, and were pre-approved for 400k, and an extended close. They came to the closing date not having the paperwork in order. We had do an addendum to extend the closing date. Their rates are only average, and its service terrible.

All of the people involved were pleasant and nice. However, they kept asking us for the same information over and over again. Then they kept asking for different information piecemeal. It was very disorganized and stressful. We were so annoyed that we arranged to pay off the mortgage about a month later and that process was just as bad as opening the original loan. They took forever to acknowledge our payment and remove the lien from our deed! The people were nice and they did respond to communications but their process was complete and total torture. I would not recommend them which is sad because I did like the people.

We applied with Guild after recommended by a Realtor. We disclosed everything from the recent past. 3 years ago-discharged bankruptcy, a foreclosure on a home that was discharged in the BK. After some discussion on eligibility we applied for the back to work FHA program. We supplied EVERY document requested! We were told in April, in writing by the Sales Manager, we were approved for a 97/3 conventional and they would still work on the FHA Back to Work program. I had lost a job with a 6 figure income in 2009 and subsequently became re-employed taking a 50% pay reduction which lead to a Chapter 7. We also had a retail restaurant which began to grossly decline in sales due to the economy which helped lead to the BK. We were assured they could work around this as our FICO scores were in the low 700's. We were subsequently denied the FHA but they assured us we could proceed with the prior "approved: conventional”.

My wife and I are selling our home and the buyer went to Guild get the loan. Well a month now after the Original close date past, they postponed the closing three times and then ended up not issuing the loan and the buyer is now going to our lender for the loan. They are very unprofessional and unorganized. They basically have held up three properties from sale and four families from their respective homes.

The underwriter were extremely picky about every little details that has nothing to do with the loan. The loan officer was not very communicative and did not keep me informed. The most ridiculous was I had to verify a $5 cash deposit into my checking account. I was ready to give up the appraisal and time lost and go with a different lender. But then the loan finally closed at the last second. It was like a nightmare. DO NOT give them your business.

I wish I read review before going with this company. They are simply put, the worst loan originator I have ever dealt with. They ask very amateur questions, and request information that is not relevant. Their front line officer is helpful but that is where it stops. Every step above that point is pathetic and unresponsive. Really, for your sanity, financial security, do not go with them! Run!

My husband and I had gotten preapproved for a home. Had a contract on the home and a couple of days before closing they decide to tell us we are not approved after putting down earnest money, doing loan contracts, sending them all the paperwork they required multiple times. NEEDLESS to say we did our part but they are a people you cannot trust. They sold us dreams, kept telling everything was good and closing would be on time. They would call us with a time. I wouldn't recommend this company to anybody.

My husband and I signed a 30-year fixed loan with Guild Mortgage and the payment was suppose to be 1378. Well Guild decided that after 3 months to change our payment. When I tried to contact them I got the run around. Very bad customer service.

I was lead on to believe everything was going well with our new home. We were so happy to be closing within less than a week. And they dropped the bomb on us. Needless to say they took out money out of my bank account for title company and so on. So basically beside the heartache they left us with, they took our money as well. I would never recommend the San Angelo branch to anybody! I gave them all the information they asked me for in a timely manner. After a month of giving them all the documents they asked me for, after taking up all my time it left us with half our money gone and a huge heartache. Not to mention they had me buying insurance for the home plus turning on the utilities it was like we had this house already. IT WAS A HUGE LET DOWN! I don't think I could ever trust this company again!

For your own sanity STAY AWAY from Guild Mortgage. The initial employees we worked with and the loan originator were great. However once things moved up the ladder it became obvious these people were incompetent. They requested the same documents multiple times, there were numerous mistakes in our file and they were completely slow about everything.

I would like to share my unpleasant experience so far with Guild Mortgage. I feel the need to share this experience because it has been really stressful on my husband and myself, so much so, that if it weren't for Terilyn intervening on her day off, we would have walked away from this sale today. My husband and I rarely complain about anything, but considering the number of problems we have had with Ralph and his assistants, we feel that it is in the best interest of anyone affiliated with this business to know how we have been treated so unprofessionally.

We were told we were preapproved for a home loan in other city. We live 5 1/2 hours away and were told not to quit our jobs and make plans for the move until after closing day. Closing day was pushed back several times. At the last minute I was told I should have been working in the new city and had my kids enrolled in school and we had nowhere to live. For two months I was told everything was fine. I made several trips back and forth to try and fulfill the requirements they wanted until I was broke. Then I was asked for more money to extend our contract! Now all the earnest money and money for inspections was all a waste because we can no longer pay to keep the contract going. I will NEVER do this again. I would not recommend Guild Mortgage nor any realtors to anyone. I no longer trust anyone.

Never pre approved when they gave us our pre approval letter. Lied on 3 occasions and never contacted us to let us know if we are even able to be approved. Pushed out closing twice, after signing closing papers and paying $40,000 down payment, house never closed. Guild held loan for additional 5-8 weeks leaving our family of 6 and 4 dogs homeless for two weeks before they told us we were never approved. GUILD IS A SCAM. Please research them carefully before you waste your time, money and sanity.

We were referred to Guild Mortgage by a random realtor we had contacted for information on a house. We contacted the Loan Officer, Kevin, and he was so positive and encouraging. We filled out the online application and the next day we received an email congratulating us for being approved for a mortgage through Guild. We made plans to bring all of our "personal" information for a sit-down meeting at his office in Lake Oswego, OR.

If you need reach "real contacts" at Guild Mortgage, you can reach CEO at her cell number: **. Her name is Ms. Mary Ann McGarry. On website she claims to be a CPA but has not been licensed as a CPA for 20+ years. Sales Manager Guild Mortgage cell number (he'd be happy to assist?)**. Or contact CFPB.com. ** and file a consumer complaint and allow Feds to help you with your issues with Guild or any other sub par service lender.

We were just like everyone else in the foreclosure boat, bad economy; lost jobs; fell behind; foreclosure initiated. I kept in constant contact with Guild Mortgage, applied for a HEMP modification and was denied the first time. Then circumstances changed, I found another job. I contacted Guild right away and told them our situation had changed and I would like to apply for the modification again. The paperwork was sent out to us, I filled it out and sent it back right away. We were asked for a bit more info, which we provided in a timely manner, and then a few weeks later we received a letter telling us we had been approved for a Temporary Payment Plan (TPP).

We gave all our personal info, check stubs, bank info, taxes, etc. Received pre approval then gave the address, price and description (i.e.: Manufactured yr, etc). Got the green light with the condition it had to be anchored to foundation, so we wrote that in the contract. Had the home inspection $325.00 (was to be paid in escrow) and AFTER we did home inspection, then they decide they can't fund! So they cost us the loss of purchase and $325.00 for nothing. On May 22, 2014, we should have been moving in our new home, instead our bank account is $325.00 short for no reason. They should NEVER pre approve without really knowing. ASK lots of questions so you don't end up like us!

Guild Mtg made a typo mistake when calculating the taxes on my mortgage on 12/2012. They used the prior value of my home (98,000.00) instead of the actual price (550,000.00) and insist they are not legally liable for their mistake and that I should have known my tax liability before I took their loan. After paying 2226.00 monthly payments for a year, they want to raise my payment to 2813.00. My income qualified me for the lower amount only. They agree to pay the shortage for last year and next year, after which time I will have to make the full payment or sell my home if I can't afford it.

My husband and I had 1 month that was a little rough so we did what we thought was the right thing and communicated that to Guild. They made a payment arrangement where we could send half of a mortgage payment and send the other half later. When we sent the other half, they mailed it back to us because it wasn't a full payment although they made the "arrangement" with us. They didn't even have it in their notes that we spoke to them about it. They required us to send in a full month and a half payment in order for them to accept it. We didn't have the money to send all of that in all at once. They made it impossible to catch up. Then they go ahead and start the foreclosure process without making any kind of effort to work with us.

To err is human, but give me a break. Guild seems most adept at repeating same errors which clearly fall into the category of their fault, e.g., crediting my mortgage payment (3x) to someone else's account, and then making the customer jump through hoops to prove they didn't make a mistake! Get your act together, Guild! Looking forward to when I don't have to deal with you again.

The local Guild office to me is in Minden, NV. Things started off good with them telling us we qualified for a VA loan at 3.25%. My wife and I put an offer in on a new house and it was accepted. Then, a few days later, we got a call from a developer that a house we really wanted was available because a buyer dropped out. There was a back-up offer on the 1st house, so we didn't feel bad switching houses. So we got all the paperwork together for house #2, and we went in to sign the disclosure statement and all the preliminary paperwork. All the time, we were being told the rate 3.25% (floating).

Guild Mortgage Company employs unlicensed loan officers in the Bellevue, Kirkland, and Lynnwood, Washington branch locations. Scott ** of the Estes team in Kirkland and Alanna ** in Bellevue are both unlicensed. Jason ** has an unlicensed loan officer working on his team in Lynnwood. Scott provides loans under The Estes Team and Alanna provides loans under the name of her husband Brad **. Watch out for these illegal practices by Guild Mortgage. If you have issues with your loan, there is no recourse under an unlicensed loan officer.

Jessica **, working at the Minden, NV office of Guild Mortgage Co. has no idea what she is doing. We at first were applying for a USDA loan. It wasn't until I found a house I wanted did she find out that any house that has mother-in-law quarters can be called an income property and USDA will not loan on that type of property which she should have already known. My realtor suggested using the Nevada rural bond program to assist with the costs. This program pays up to 4% for your downpayment. Jessica did not know anything about this program but has been working in Nevada for some time. So I then applied for an FHA loan which does not have the in-law quarters as a stipulation. She would call and say there was a problem and in the same sentence back track "Wait a minute, I'll have to run the figures again."

I am using Guild to close on a home in Arlington, TX. I wish I would have read these reviews prior to working with them. I will most certainly discourage others from making the same mistake. They promise things over and over and then just don't come through. We have missed our closing date for two weeks straight. They are unresponsive and rude. I'm shocked how unprofessional they have been in this process.

Guild Mortgage after complaining resolved issues after speaking with regional manager.

In the past few months, my economic situation has gotten even worse because on holiday season, I had mandatory days off and I do not get paid holidays or vacation. I tried to get caught up on my payments and made payment arrangements with Guild Mortgage which were returned to me. When I realized the payment had not been cashed, I called Guild Mortgage and I was told that it was sent back because it was received a day late. I then asked what I needed to do and I was told to send two payments by the end of the month. I sent them out and on the fifteenth, they still had not been cashed. I called Guild and they said that they received them on the 14th but sent them back because my house was placed in foreclosure on the 9th, so that payment was returned also.

I got an FHA loan from Guild Mortgage to finance a home. I lost my job 30 days after the purchase. They suggested I send in a package which would save me from foreclosing and also modify my loan to help prevent foreclosure. I sent in the first package and they closed the file because they could not get a hold of me. I was completely available and they did not try, they simply closed my file. I called and they said to do it again. I submitted a second file and they said it would take 4 months to process. After 2 months from the time I submitted, I called and they said they tried to call me 3 weeks ago, but couldn't get me on the phone so they closed my file again and now my home is in foreclosure. I never received a phone call or a letter regarding the package I sent in.

I fell behind in my mortgage payment; five months as of February 2011. I had applied for a loan modification and got denied with no explanation. I had called and told them that I would be caught up by February and would send in the payments. They agreed and waived the late fees. I called today, February 3rd 2011 and was told that my house was in foreclosure. I asked them when and they said that they send out a certified letter on January 20th 2011. I told them that I have not received any letter and asked a proof that I signed it. He said that I should get it in a few days. Then he tells me that they have tried to call me. I said I have never got any calls from Guild Mortgage. He then tells me they are automated calls. How many of you get phone solicitors that use this same system and you hang up. What a fraud.

I was declined from getting a loan mod twice. I was only one month behind. I spoke with Debra and she stated that because I was only behind a few weeks that I could pay my mortgage at the end of the month. So I sent my mortgage in on November 28, 2010; they got my check on Dec. 5th and sent it back and stated that I was three months late and I needed to pay 1 1/2 to be current on my mortgage.

I discovered shortage in trust fund for impounds and excessive amounts collected for impounds. Guild Mortgage was paying two homeowners policies on same property. We asked for accounting and authorization, with no results. These excessive payments caused a hardship as payments are made from Social Security funds only.

My wife lost her job and I am disabled and have been trying for a year now to get our loan modified or principal reduced as we need to make less payments monthly to survive. No one will answer the phone, return calls or letters that I have written. No response whatsoever, they do not care!

I am emailing to inform you of a serious breach of customer respect, service, and goodwill and to plead for help resolving what I call "the worst attempted mortgage experience of my life". I am a partner in a property located at ** Rancho Mirage, CA 92270 and authorized communicator for loan number ** in the name of Richard **. I was also verbally authorized by Mr. Richard ** to communicate with both Mr. Tony ** and Theresa ** while recently engaged with Guild Mortgage Company. I have not spent the considerable time it will take to attach a complete comprehensive chronological outline of the ridiculous struggle I've had with GMC, but I will give you a factual verifiable account of what has transpired to date. On approximately July 15th, 2010, I received a solicitation postcard from GMC stating my partner Richard ** was approved/qualified for a "streamline mortgage".

I requested a loan payoff written request. I also left messages for loan payoff department without even a return call. Left 5 messages over a period of 3 days and no courtesy even with a reply or message. I asked for a manager or supervisor's name and the customer service person named Aida refused to give it out.

We financed our home through this company and have had problems with them from day one. Our paperwork was lost numerous times, our phone calls were never returned and the handling of our business was terrible. We told our loan officer (Cory **) from the day our offer was accepted that the seller had agreed to pay all of our closing costs up to $5,000. She worked it out to where we stayed under that amount, but told us we would have to pay the appraisal fee upfront. She forgot to tell us this before she charged my credit card and pulled my account into overdraft. She then told us we would be reimbursed numerous times and that we would receive a check at closing. She also told our realtor the same information when she checked back several times with Cory.

Contact the Federal Trade Commission at 877-FTC-Help, or write to FTC Consumer Response Center Room 130, 600 Pennsylvania Ave, NW Washington DC 20580. If Guild Mortgage gets enough complaints, they can be investigated and sued by the state.

In May 2009, my employer cut my work hours and I really depended on those hours to make my mortgage payment every month. Before this happened, I tried to ask Guild for help and they would always tell me that I did not qualify for anything due to the type of loan that I had (FHA). I tried about three times to ask for help, but they would always tell me the same thing.

I have been stressed out for months trying to get a loan modification because my income decreased due to the current economy in 2010. Guild Mortgage led me to believe that I could get a loan modification if I could prove hardship. They made me get a certificate from an outsourced counseling company. The counseling company basically said that you have to have lost your job or have medical bills to get an approval once they interview you. The interviewer’s name is Ethan and you can only speak to him. I played phone tag with him because he calls at a random time when it comes to calling you back. He’s never available. They give a certificate to submit to Guild Mortgage.

My mom and dad were approved for a loan of $181,000. They moved into the home in late September 2008. In October, my dad fell very ill and couldn’t work. My mom was the only one working and trying to make ends meet, while paying for my dad’s medical bills, house payment, house bills, and my little sister is in college, which she pays her living expenses. They are not legal citizens, so they go to Mexico and pay cash for their services. My dad was living in Mexico with an elderly aunt to stay close to the doctors. I was not working at the time and I went to take care of him, and put my marriage on the brink of divorce. I moved in with my mom. My dad decided he was not returning to the states, and was in love with someone else, and moves further south into Mexico. Now my mom is stuck with the mortgage and the rest of the bills. Because she had been traveling (8 hour) from home to see dad every other weekend, her income changed.

I have had several bad experiences with this company. My loan agent was great but after I moved in, I got information on a loan modification I wanted to investigate--payments 26 times per year. I made six calls to the listed number, sat on hold for 20 minutes four times until the line was disconnected and left a message for a callback twice, which I never got. I called my local office twice and left messages, never to be called back. I got behind on my mortgage this year and called today to tell them when I would be sending in a double payment to bring my account up to date.

A house was listed for short sale back on January 22nd, 2010 at $150K. My client put in an offer to purchase the house located at ** on January 25th for $160K. The offer was accepted by the seller Marta ** and submitted to the lender Guild Mortgage for short sale approval. Guild Mortgage then called the listing agent Chris ** and informed him that the seller must be four months delinquent before they would consider the short sale.

Guild Mortgage ruined the whole short sale transaction. They knew the urgency and timeline that is required for us close but still responded very slow to our files. Once files were sent to the underwriter it would take her 24-48 hours to receive any notification. After receiving notice from the underwriter, more info was requested. Two to three weeks pass by and the underwriter still could not get things together and could not ask for everything at once. The UW finally provides a conditional loan approval. You would think that things are finally going to run smooth, but that is just the start of every problem. The UW requested particular documents which is understandable. The documents are provided to the UW in a timely fashion and again, the UW requested for more documents. With the back and forth we lost another week.

My loan was sold to Guild Mortgage 3 years ago. Just a typical call to their customer service line is awful. They leave you on hold for hours and when you leave a message, hoping to get a call back, it never happens. Guild Mortgage is very hard to work with when I am having trouble making payments. They will not call you back or help.

In December of 2008 my husband was notified that he was being laid off. At that time it was our first contact with Guild Mortgage. We called and called and finally got through and notified the loan counselor that this was to occur in a month and asked for her suggestions because we were very concerned and did not want to lose our house. At that time we were advised by the loan counselor that Guild Mortgage Company was not restructuring or modifying loans. So we went to an outside loan modification company to try and get our loan modified; we went through that process, and after a few months waiting on a response, we received back a letter from Guild Mortgage that stated, “We are not modifying FHA loans.” We received that letter in May 2009.

My payment sent via a bank payment system had not cleared the bank and it usually does on the day and sometimes 1 day behind that. It has been 5 days past the due date and the check still hasn't cleared. While waiting the 30 minutes on hold waiting for someone, I registered on their website and it showed the payment being received yesterday. I finally gave up on holding but is it fair to a consumer to hold a payment for 5 days? This assumes the bank didn't make any errors or the post office. I realize I must pay interest for the higher amount for those 5 days.