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report scam| Country | United States |
| State | California |
| City | San Diego |
| Address | 5898 Copley Drive 3rd, 4th & 5th Floor |
| Phone | (858) 560-6330 |
| Website | http://www.guildmortgage.com |
Guild Mortgage Reviews
I had a home loan with Guild Mortgage and lost my job. I talked to Guild Mortgage about my options. Guild said they would give me a 9 month forbearance, to give me time to get back on my feet. I told everyone how wonderful Guild was for helping me by giving 9 months. But After 9 months Guild said now that I owe them a past due amount of $34,000 and I would have to reapply for my home loan.
I did and Guild denied me, saying I couldn’t afford to pay the mortgage now because the added in the Forebearamce past due amount. I had to go into Chapter 13 Bankruptcy to save my home. My original Mortgage was $1950. I am now paying $3,650 and was paying $3400 for the 2 previous 2 years.
Guild said I couldn't afford to pay $1950. +500. So how is it that I have paid $3,400 a month for Two Years in Bankruptcy. It’s a scam. Guild set me up to owe money. I had no idea they would make me reapply and deny my loan application. Guild was going to keep almost 4 years of Mortgage payments and then take my house!
They have objected even in my bankruptcy, numerous times, causing my case to be dismissed. I had to reapply. In the meantime I am paying additional lawyer fees. To get out of this horrible situation a family member offered to pay Guild 100% of the past due amount. Guild said no. Guild said I now owe $20,000 in late fees and legal costs.
The bottom line is don’t trust them. I was set up. That Forbearance was not to assist me. It was a set up so that I owed so much I would lose my house. The Bankruptcy payment of $3650 is breaking my back but it is better than Guild Stealing my house!
We were trying to refinance our loan with Kyle Casey. He ended up stating that we needed to pay him $3000 in order to refinance our house due to a value increase. This made no sense as since we bought the house last year we found: the roof leaks, the foundation was off, the basement leaked, and the neighborhood in all was deteriorating.
We declined to pay him the money and he ended up taking $540 out of our accounts. Everyone we spoke to confirmed that he is a scam artist.
When we filed a BBB complaint he started to harass us through out personal numbers even after we requested he stop.
I made contact with Mortgage broker Kelli Holliman 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. Holliman was no longer employed with the company. Ms. Holliman 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. Holliman about the discrepancy and she was very apologetic for not informing me of the change.
On April 21, 2015, I went under contract for another home. My realtor, Tasha Penson forwarded the contract to Ms. Holliman the same day it was signed. Ms. Holliman never contacted me. I emailed her on 4/30/15 requesting a GFE for the home. I was scheduled to close on May 21. Ms. Holliman sent me my disclosures and GFE on May 22, 2015. She informed me she would need more time to complete my loan. I made several attempts via email and phone calls to contact Ms. Holliman over several days and she would never return my calls. I finally contacted her manager, Craig Lemp. He advised me he would speak with Ms. Holliman regarding her lack of communication with me. Ms. Holliman returned my phone call after a week of trying to reach her. She informed me her husband had been sick which is why she had not completed my loan. Since my loan was not completed within the allotted time frame outlined by my contract, the seller declined to extend the contract and I lost my earnest money, inspection fee and appraisal fee. Ms. Holliman made also made an offensive recommendation to me during a phone call. She asked me if I received public assistance. When I informed her I didn't, she proceeded to tell me I should apply for food stamp assistance to help with the cost associated with owning a home. Ms. Holliman was very unprofessional with the handling of my loan; which caused me to lose $2,000. She did not explain the process to me clearly and was horrible with returning phone calls and emails. I emailed the president of Guild Mortgage along with the regional manager; yet I have not heard back. DON'T USE THIS COMPANY!!!!