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    Guild Mortgage Company

    2.3 (9 reviews)

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    9 years ago

    Best experience ever. Great customer service, fast and efficient. I worked with Denise Sandquist and would recommend her to everyone

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    Gwen Swain - Waterstone Mortgage

    Gwen Swain - Waterstone Mortgage

    (1 review)

    Occasionally, home loan purchase applicants experience difficulty obtaining a loan because of…read morecredit challenges, being self-employed, low appraisals or income to debt ratios. What happens when none of these apply? Waterstone Mortgage, and the Gwen Swain team in particular can make your life hell for about 30 days because you were exceptionally well-qualified but unfortunate enough to apply for a loan with them. If you want to stop reading now, here is the takeaway: there are conservatively 100 better qualified brokers in Idaho and nationally who should be considering your loan application. Gwen apparently cultivates a major online presence, focusing on first time and refinancing borrowers. I was referred to her by such a borrower (a relative), and thought I was in competent hands. Literally 24 hours before the close of escrow, we were still negotiating the wording of documents we had to sign, and escalating problems up the Waterstone food chain because Gwen and her team could not or would not respond to resolve issues. We were days from closing when Gwen said their underwriter would need "more time". Why? No one could say exactly. Did they need more documents? No, just "more time". We have had no fewer than 18 loans/refi's in our home buying and owning history and NEVER have we encountered a more incompetent, poorly trained and less caring group of mortgage workers. Our realtor, the escrow and the title team were uniformly aghast at Gwen's lack of competence and caring. At one point, she told me she "wasn't making anything" on my loan. That might have been the most honest statement I heard in the entire 3 month experience. Save your stomach lining. Apply anywhere but here. Every word of this review is true and can be proven by documents and emails.

    Guild Mortgage Company - mortgagebrokers - Updated May 2026

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