Guild Mortgage Reviews

This is a collection of reviews by people who have used Guild Mortgage Company. This blog is an effort to inform consumers about Guild Mortgage practices and experiences in order for them to make an educated decision around loan companies.

Have you had an experience with Guild Mortgage? Please send it to me at and let me know if you would prefer it to be anonymous, otherwise your first name and city/state would be great -- or -- leave it in the comments!

Thank you.

Tuesday, July 7, 2015

Cristie Stapp : Guild Mortgage Company Northgate (Seattle) office

Guild Mortgage Company has an office in Northgate, an area just North of Seattle. The Yelp page for this office contains three 1 star reviews, and one 5 star review.

User Janna K described a positive experience with an employee named Kyle, saying:
"Kyle was very easy to communicate with, and made himself available to work around my schedule. He was very personable, and was great about explaining things to me when I did not understand. I am a first time home buyer, so the process was intimidating at first, but Kyle made things much more comfortable."
However, two of the three remaining reviews mention Cristie Stapp, a Guild Mortgage Company broker.

User Katie H, from Seattle claims that Cristie Stapp suggested that she fake a disability in order to expedite the completion of her mortgage deal:

"Cristie was awful and suggested I fake a disability to finish my deal, when I transferred to Kim she went out of town and let my file go to underwriting with incorrect info and got me denied for the loan they'd pre-approved me for. 

I wasted so much time and money working with them and lost out on two homes."
An anonymous user wrote:

"As a realtor I had a horrible experience with the lender Cristie Stapp. I was representing the buyer and as a result of her lack of follow through, total lack of communication or attention to the timeline or details the buyer ended up not getting the house! She never answers the phone."

I did some more research into Cristie Stapp and found that on Redfin, she had decent reviews  and there was one review on wallethub, but the same complaint was evident on both sites, citing lack of communication which caused the borrowers distress.

Guild Mortgage's top complaint is their poor communication skills which seems to flow from corporate all the way down to individual brokers.

Monday, July 6, 2015

Zillow review for Kris Davis, Guild Mortgage in SC allows uers to review mortgage brokers, underwriters, mortgage officers, companies, etc.

User egn541 posted regarding Guild Mortgage company's Kris Davis.

This user alleges that Kris Davis and Guild Mortgage were helpful, but that Guild Mortgage's underwriters are "horrible!". It is alleged that Guild does not have the expertise required to handle past mortgage problems, ie: bankruptcy, a foreclosure or a short sale. The user claims to have lost thousands of dollars due to the delays and being pushed into homelessness as a result.

Pissed Consumer - Guild Mortgage

Spread across six complaints, Guild Mortgage is accused of causing over 10K in losses on Pissed Consumer.

As alleged on other review sites, customers cite the lack of professionalism and misleading practices as top complaints.

This review of an Atlanta office calls out an assistant by the name of Alec Norets. They claim massive delays in the underwriting, causing them to have to pay out of pocket to the sellers.
"Go with another mortgage company, and avoid Alec Norets, an assistant of Michael Dunn, in San Diego.His laziness and non-responsiveness to our calls and emails caused our closing to be delayed twice.
We had to pay the seller of the home hundreds of dollars because Alec Norets can't do his job efficiently and correctly. We had all of our paperwork in and ready to go for months in advance, and his laziness to get it to the underwriter delayed us and cost us.
Please do yourself a favor and don't get stuck with this company holding your loan.We had a much better experience with Mutual of Omaha for our first home loan."

 Another user posted about Ralph Ponce with Guild Mortgage in El Centro.

It is a long, but useful read if you are considering using Guild Mortgage, but here is an excerpt:

"So many things have happened in the middle of our buying process that we are ready to walk. I cannot believe what a nightmare this has been and how many errors have been made by Ralph Ponce of Guild Mortgage, El Centro. Terrible experience and he blames us for his mistakes and seems confused about everything. My suggestion if you have to use this company, have all conversations via email. Paper trails are good."

I have seen the suggestion of maintaining a paper trail a few times reading the reviews out there. This doesn't seem to be a complaint about Ralph Ponce, per say, but about the entire process and includes a lot of lost time and finger pointing.