Guild Mortgage Company E Franklin Rd, Nampa

Leaving a one star review is being way too nice to this company/branch. I absolutely do not recommend using this company whatsoever. They do not complete things in a timely manner. Because of this it took two months to sell my property. Appraisals were “ordered” but never received as Amy dropped the ball on multiple processes and procedures. This is the second time dealing with this from the company/branch. I do not recommend this company and will never do business with them again. I highly recommend if you are looking for a lender to do more research and not settle with Guild Mortgage. There are many other lenders in the valley that will have YOU in their best interest and put you first.

Absolute laziness from this company. Their page said they “do what is right for their clients”, and that is not even close to factual. It is nearly impossible to get through to Amy when she is needed most. Our selling of our house was extended 4 extra weeks due to Amy not finishing paperwork, forgetting paperwork, forgetting to order appraisals, and literally coming in last second with the documents. This company shows no urgency with their deals. Would NEVER recommend and I feel terrible for anyone who has to do business with them.

Amy Cardenas with Guild Mortgage is the one you want to hire! I refer everyone I know to her that is in need of a mortgage loan. She will get the job done because she will work tirelessly for you and for your best interest. She knows the business inside and out and nothing gets missed with her and her team. She has an very strong work ethic and it shows in her work. Definite five plus stars!

I initially started working with Guild as a lender for my home mortgage in January 2018 however I decided to work with another lending company who provided better options and better rates. Guild initially refused to provide additional Mortgage options, stating I only qualified for 1 lender and refused to lock in a mortgage rate (even after I said I would pay a fee to do so.) After I met with another lender I learned otherwise (I qualified for other loan types and was able to lock in a rate.) I did attempt to work with Guild again however numbers they quoted me to obtain my business were different than when I received it all in writing. Then proceeded to tell me the new company I was working for was charging me too much ,etc. Then after I reviewed Guild’s quote, it was all the same, they just broke it down more. I felt I was given a run around and felt I was treated as if I should be lucky Guild approved me for a mortgage. When my credit score, etc is all approvable. Guild initially acted as if they were doing me a favor and as I am young/ was not knowledgeable they were not willing to provide additional options, etc. I had advised Guild in March 2018 that I did not wish to work with them, I stated if I changed my mind I would keep their company in mind. July 20, 2018 my realtor contacted Guild inquiring about my mortgage lock, now my realtor's mistake in doing so as I am no longer working with this company, he then verified with Guild via e-mail on 07/20/2018 that I am with a new lender. Guild went ahead and locked a mortgage rate and pulled my credit report on 7/24/18 without my consent. Guild is stating my realtor gave them consent which he did not. This company was very aggressive in contacting me on 7/24/18. As I was working I was unable to answer the three phone calls, text and multiple e-mails. Towards the end of my day I was able to respond to Guild stating I was working with a different lender. I then noticed they made a hard inquiry on my credit without my authorization and after I told them (March 2018 & my realtor advised on 7/20/18 I am with a new lender). As I was extremely upset with Amy Cardenas' team, my mom and I contacted Terry Heffner to discuss. After we explained the situation I was told that I was working with the wrong lender. I felt an attitude was given that as they pulled my credit, I should just now work with them on a loan. He was very sarcastic towards the end of the phone conversation and had no solution to provide for this error made by Guild. My mom then talked to Heffner (as I was upset) and he told her he "will never get these moments of (his) life back." He also told my mom “many girls would be jumping up and down if their credit score was that.” I have worked very hard for my credit score to become where it is and for him to pass judgement and say it’s fine, is not acceptable. It should not matter that Guild thinks its fine and Guild thinks its fine for me to not lock into a rate. These were not their decisions and they never cared to listen to my concerns or desires. I am still beyond upset that for a company I am not working with to pull my credit 2 months before my closing date which drops my credit score and they do not care. I understand I am still able to qualify for my loan, etc. However I wanted to have the best possible credit score to move forward with my mortgage. I am appalled how this company has treated me from Day 1 and then after telling them I do not wish to work with them and yet they still persisted. They are now stating they were trying to give me the best customer service. I feel they were trying to bully me into working with them after I told them no. Overall Guild tries to manipulate their clients into working with them, does not actually listen or do what their clients want and when found in error, they cannot admit this. What happened to the customer is always right? Apparently Guild obtains enough business they forget how to treat clients/customers.

I’m willing to bet they do fine work when they want. They did for us at first! Then they disappeared a few day’s after signing, and it was like we were “sold” to another company. I’ve spent 2 years trying to dig us out of the pit we got left in with this new mortgage company. Way to stand by your clients! PS - stop sending me emails. You offer no products or services I want, and apparently saying “STOP” isn’t enough so I’ll leave it in my review.

We had an excellent experience with Guild Mortgage. They not only figured out how to save us more than $100 per month over our other lender, they closed us fast and were completely professional every step of the way.

Will not use in the future. Also don't recommend this experience to anybody. - Poor quality. -Business $ vs. quality customer service said it all.