We just closed on a property financed through Guild Mortgage. Annie was amazing! Not only was it very straight forward and easier than any other process we've gone through, but we even closed in just over 2 weeks. That's just unheard of - especially in such a hot market. read more

My fiancé and I were trying to go through this company and it was so unprofessional that we decided to take our business and money elsewhere. Drew wasn't the most polite person and his assistant was even more rude. She argued with my fiancé about an email that she was supposed to send but we never received. The fact that she argued with my fiancé was enough to make us go somewhere else. I would not recommend this place whatsoever! read more

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. read more

Slow inefficient communication, loan officer had poor knowledge of their field and last minute notification of loan requirements. They made an already stressful process even more stressful and difficult than it needed to be. I definitely wish I had chosen a different mortgage company. It wasn't even as if the rates were better than anywhere else and closing costs were high. read more

They are one of the best in the business! Fast and efficient and great customer service. My clients feel very comfortable there would recommend them again and again! read more

Would definitely not recommend. The real estate agent recommended Guild and I, unfortunately, switched from the lender that I had previously planned to use. The promises made to get the business, appraisal fee and interest rate, were not upheld. We received 3 "good faith estimates" and each one was more than the last. When asked we were told they estimate was high and it would be less at closing. They ordered an appraisal before the sale was finished, even when we asked them not to. The price of the house was reduced so the appraisal needed to be redone- and they charged us for it! We bought from out of state and they told us the mobile notary was covered- and it showed up on the closing documents as a charge. The points, that were never mentioned in the initial offer, continued to go up. Our down payment went down significantly and through smoke and mirrors they managed to keep the cash needed to close the same...and to top it off were not truthful when questioned. They did close on time but it was a very easy mortgage to do. I wrote to the manager expressing my dissatisfaction and he did not even acknowledge it. read more

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

There is very little attention given to customer service at Guild Mortgage Company in Boise, Idaho. I am in the eighth week of trying to refinance my home. I have an excellent credit history, a steady job, and several assets yet Guild Mortgage cannot seem to get the refinance process moving along. The loan consultant I am working with at Guild Mortgage and her assistant do not return phone calls or emails. read more

My husband and went to Guild Mortgage in Meridian for a new construction home loan. We are completely disappointed with the outcome of our loan as well as the communication. I am not one to write a negative review like this but we will NEVER do business with them again nor would we refer a friend or family member to them. We had met with our lender Amy a couple weeks before our closing and went over the numbers. We had our payment and everything in front of us as well as our rate locked in. Her exact words our of her mouth are, "everything is set and ready to go. You can now sleep at night." When it came down to the closing day we were in the middle of signing our papers and it showed our monthly payment was $34 higher than what it was suppose to be. I get $5, $10, even $15 more than expected but we are talking an additional $34 a month. The final numbers had been done for months. There was no reason at all to be off that much. We totally understand that the taxes on a new home can be tricky to estimate but we are talking about $12,200 more than expected in our 30 year loan. When I looked and the numbers I informed her that was not the number we had been given in all of our prior meetings. She began to tell us it was because of the taxes. It sure would have been nice to know ahead of time. NOT THE DAY OF OUR SIGNING!!!!!! The lack of communication and the lack of heart when she realized how upset we were was really disappointing. Needless to say the outcome was not what we had hoped for. read more