Resources for resolving common issues with Guild Mortgage products and services
The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives.
The CFPB will forward your complaint to Guild Mortgage and work to get a response. After your complaint is forwarded, Guild Mortgage has 15 days to respond to you and the CFPB. Guild Mortgage is expected to close all but the most complicated complaints within 60 days.
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Guild Mortgage Mortgage application, originator, mortgage broker March 20, 2017 - Guild Mortgage Company, based out of - Nevada is offering to buyer clients who apply for a mortgage with them on -/-/-, a $1000.00 furniture gift card. Is n't this a violation?... |
Guild Mortgage Mortgage application, originator, mortgage broker March 14, 2017 - The complaint is against - - of Guild Mortgage in -, NV. Her -/-/- number is -. She is advertising on - that she will give consumers who apply for a mortgage with her on -/-/2017 and close in 2017 a $1000.00 furniture gift card. It is so unfair for a consumer to be enticed like this, and it 's likely it would result in a higher interest rate.... |
Guild Mortgage Mortgage loan servicing, payments, escrow account November 30, 2016 - I 've contacted Guild mortgage multiple times to address bringing my past due mortgage current. I contacted them on - - two times and had a question regarding unapplied funds and partial payments. In speaking with both agents, when asked about this issue they seemed to be uneducated. When I asked why I would not be able to make partial payments, or use the money which is in my suspense account to make a full payment, I received basic answers like this is just a policy. The second agent I spoke with continued to talk over me, rather than listening to my actual question. I was unable to ge... |
Guild Mortgage Mortgage settlement process and costs May 2, 2016 - I closed my home loan with Guild Mortgage my MLO locked my rate at 4 I was given my final CD with 4 % rate when I pointed out the CD reflected fees fees for a program I did not apply for he corrected the CD but my rate was changed to 4.125 % post acknowledgement period began and after I was locked for over 2 weeks at 4 % and all - previously given 4 % rate. MLO advised he locked in correctly made mistake and now unable to correct now charging me higher rate than agreed upon. Had to sign new CD with higher rate or lose my home and all cash paid out of pocket $2800.00 3 days prior to close... |
Guild Mortgage Mortgage credit decision / underwriting April 5, 2016 - -, I found a home and wanted a home loan. Knowing I had excellent credit I came to find out my mortgage company and non payment on the - loan of the mortgage for -/-/- and -/-/-. I called Guild Mortgage to see what was going on. It was a mistake on their behalf. I waited for FICO correction letters and they were not sent. I called again, was promised they would fix and send. I never got copies. In -/-/- I found some few homes. So, I went to get a pre-approval again and was denied, again, for the same thing, but for -/-/-. I called Guild it was a mistake they would fix... |
Guild Mortgage Mortgage application, originator, mortgage broker March 22, 2016 - I recently went through Guild Mortgage for a loan to buy a house. First off, I was pre-approved for a loan through the company for $260000.00. We put in an offer on a house for $230000.00 in - and the seller accepted it. My loan officer - - tells helps me through the process and assures me the whole way through that everything is great. I have perfect credit, my DTI is good, income is good, everything is good. She tells me -/-/- to go ahead and put my 30 day notice in to my landlord because we will be good to close by -/-/-. One week before we were to close - emailed ... |
Guild Mortgage Mortgage loan servicing, payments, escrow account March 8, 2016 - I closed on my home in - of 2015 and this month I received a notice from my mortgage company ( Guild Mortgage ) that I had a trust shortage. I called the mortgage company and they told me that because of the shortage my mortgage was reconfigured to cover the shortage. My payment went up over $360.00 a month. ... |
Guild Mortgage Mortgage settlement process and costs March 2, 2016 - I owned a home and sold it and closed on the loan on - -. -/-/2014 I had a loan modification and received money form HUD that was due to be paid back at the time of the sale. When the loan was refinanced, I was told this was rolled in to the original mortgage rather than being paid as a - mortgage. When the title company showed the second mortgage, the escrow company called and asked was it to be paid out separately, and was told by the mortgage company it was rolled in at the time of the refinance and was reflected in the higher mortgage payment and interest rate. Just 4 days befor... |
Guild Mortgage Mortgage credit decision / underwriting December 14, 2015 - I WAS CHARGED TWICE FOR AN APPRAISAL THAT WAS ONLY DONE ONCE. MY MORTGAGE COMPANY WAS AWARE FOR THE CHARGES AND I WAS TOLD I'D GET MY MONEY BACK. I HAVE YET TO RECEIVE MY REFUND FOR $- WHICH WAS FOR THE SECOND APPRAISIL CHARGE. NO ONE ANSWERS MY EMAILS OR PHONE CALLS. I HAVE ALL CONVERSATIONS WITH MY MORTGAGE BROKER SAVED IN MY EMAIL WITH HIM ACKNOWLEDGING THE FACT THAT I AM ENTITLED TO A REFUND. GUILD MORTGAGE IS THE COMPANY AND - IS THE BROKER... |
Guild Mortgage Mortgage settlement process and costs October 19, 2015 - I am concerned and would like to bring this to light. I applied for a home loan with Guild Mortgage, - - branch. The Loan Officer was - -, who is also the branch Manager. What concerns me is I never met with him. I met with his assistants, - and -. They reviewed my documents, went over a loan scenario with me, quoted me interest rates, my payment, down payment, etc. I asked when I would be meeting with - since his name was on all of the douments I was signing, and was told he was not available but they were his assistants and they could help me. I asked - why her name w... |
Guild Mortgage Mortgage loan servicing, payments, escrow account July 7, 2015 - We sold our house and the realtor that we used hired a closing company to close the house and pay off the mortgage. It is the mortgage companies job to get the correct pay off amount and issue it to the closing company. The closing company did receive the pay off and fowarded it to Guild. They received the payment and signed for it and then lost or misplaced the payment and are now charging interest on the mortgage because of their neglect to find or post the payment. Guild now wants us to pay the interest out of our escrow account stating they have not received the payment when in fact I have... |
Guild Mortgage Mortgage application, originator, mortgage broker May 18, 2015 - On - -, 2014, - - of Guid Mortgage issued a Pre Approval Notice ( attached ) to - - and - -. The Pre Approval Notice was issued to aid in purchasing a pre-existing or new home. The Pre Approval Notice was issued for a Loan Type of a FHA - Fixed. This allowed - - and - - ( borrowers ) to purchase a new home to be constructed by - - - -. In mid - 2014, the borrows were told by - - if Guild Mortgage Company, they did not qualify for a FHA 30 Year Fixed loan due to already having a FHA - Fixed Loan on their existing home they were livi... |