Guild Mortgage Company Reviews

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

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

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

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

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

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

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

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

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

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