Two words, one person, and the best loan officer that I've encountered: Martha Morales. From the beginning when I went into contract she walked me through each step of the process and made herself available to answer all each and every one of my questions. During that process I had to cancel a contract for a home because of what appeared to me as shady business with the selling agent and builder. During that time Martha helped me navigate through a very difficult and stressful situation, and was very proactive about helping me talk through loan options as I selected a different property. She definitely had my best interest in mind throughout the process. I was very impressed how proactive she was, her skill set, calm nature, and patience. I absolutely would recommend her to anyone and when the time comes for me to start looking for another home in the future, she'll be my go to person! read more

I was referred to Sandra Smith through a realtor friend who had done some work with her in the past. She came highly recommended, at that time, because of her background with FHA loans. I contacted her in early 2012 and we initially talked about plans to purchase a house in the future using an FHA loan. She went over our finances and gave us some suggestions, only after having to run the necessary credit checks. Fine. Since I had a short sale in 2010, I was not eligible until 2013 to apply. So we decided to wait. Five-months went by and I decided to refinance under the HARP program. I inquired with Sandra whether she could do that and of course she said yes. After applying and running my credit check again and going through the whole 2-month process of providing all sorts of docs, I was told in the end, that I didn't qualify because of my short-sale. Huh? That didn't make sense since the HARP program is supposed to help people who don't normally qualify. Anyways, after trying to follow up with her and waiting for promised return calls, I learned that she was never trying to get me into the HARP program in the first place; she attempted to qualify me for a conventional loan to consolidate loans, which I knew I would not qualify for in the first place. Under the HARP program, only your 1st mortgage is paid off and there is no cash out or funds can't be used to pay off a 2nd. She went against my wishes without ever informing me that the loan she was trying to get me into wasn't part of the HARP program. It basically wasted 2-months of my time that I could've been refi'd and saving money. In the end, I ended up talking to my current lender, Wells Fargo, and they were able to refinance me in the HARP program, with no problems. I recently spoke to my realtor friend about Sandra and told her about my experience and she indicated that shortly after her recommending Sandra, that her clients were informing her that they did not have good interactions with Sandra. She no longer refers her clients to Sandra. One thing that bugged me was she asked us to submit an application, but she didn't review it while we were on vacation, and waited until we returned to start reviewing it. She claimed that she indicated that she'd review it when we got back and her email said she'd review and when we returned we could discuss. Also, anytime someone tells you not to call her office phone to talk business, maybe there's something else that's going on. I guess I should've seen the signs. read more

My agent, Jeff Rosenberger, referred me to Sherrie Fico. Sherrie and her underwriting department, exceeded my every expectation. I had more changes and utilized more down-payment assistance programs than the average person; 4 programs to be exact. With each and every program, comes another mountain of paperwork and hoops to jump through. Sherrie has years of experience working with these programs so she had the contacts and knowledge to get my loans funded. Not only do most mortgage companies not know about what is available to help first time homeowners, they refuse to process the paperwork. Had it not been for Sherrie, we would never have been able to afford the house we were able to buy. Sherrie and her underwriting team rolled with each and every change. Even with all the hurdles, we closed on time! read more

Sandra Smith is amazing! After being denied from another lender who had no time for us and having less then 30 days to close on our first home during Covid, she made it happen. She is extremely hardworking, honest and professional. Sandra and her team are absolutely the Best! I now have a peace of mind knowing that I have a loan officer I can trust in the future. read more

We just closed on our home and couldn't have done it without the amazing team at Guild Mortgage! I was referred here by my realtor and their team did everything they could to get my loan closed within a tight deadline. Janice Smith was the most amazing loan processor. She kept me informed throughout the whole process and held my hand the whole way. I consider her a friend at this point! My husband and I are eternally grateful for their efforts and care. These are good people who are passionate about helping people get into a home. I highly recommend them!! As a side note to any home buyer - you have to do the work too. No matter how amazing a mortgage company is, you have to respond quickly when they need something from you and you have to do your research too. You can't just sit back and expect them to make magic happen. If you stay engaged in the process, all will go well. Good luck with your home buying adventure! read more

This establishment is unethical. They practice a fast talking, dishonest and retaliation style of business. They take action without consent and knowingly take steps to negativity impact your credit if you do not wish to do business with them. We were guided to them by our realtor and regretfully started a conversation that cost us. My wife and I, both veterans, have worked hard to contribute to our community and raise three kind girls here in Oakland. Our experience with Guild set us a back, left us feeling attacked and doubtful of our future in this community that we've come to love. Please be cautious when dealing with Guild. read more

We just closed on our home and must admit that Martha Morales is the most professional loan processor I've ever come across. She never stopped working for us, despite personal trials and family responsibilities. If you/anyone is looking for a home loan, don't waste your time with anyone else. Go with a person who starts her day out LOOKING to help others. This is a 'dog eat dog' world, but having a true professional on your side who knows how to put a leash on 'dogs' really helps. I don't want to ramble, because words can be meaningless, yet her actions, honesty and persistence will equate to you getting the keys to your new home. read more

I just bought a home in the Bay Area a very competitive market. I was referred to Guild Mortgage by my Real Estate Agent and from the beginning the guidance and professionalism was outstanding. A very special appreciation for making the process smooth and easy goes to Charles Krause!!! Loved working with him. read more

Thank you Chris Noceti and everyone at Guild Mortgage for your extraordinary team efforts. I am an agent with Paragon Real Estate. My clients just closed on their first home - a complicated transaction as they are living in the US on H1B visas, have new jobs and received gift funds. Other lenders turned them down but Guild made it happen and it happened ON TIME. Everyone was extremely responsive to our inquiries, and returned calls and emails promptly and courteously. I will absolutely recommend you to all my clients. Great job!! read more

I wish I can give ZERO star if there is an option. This company is terrible. They failed to process my loan and miss the date line for locking the good rate for me. I sent the few emails to their branch manager and without no reply. Here are the name list: Chris Noceti, Marry Ann and Bobby Yee. read more

I worked with Sandra Smith and she was fantastic. Very down to earth person and went above and beyond wherever she could to ensure a seamless transaction. Very knowledgeable, especially for me as a first time purchaser. Highly recommended! read more

I was referred to Oliver Flores by the Cal FHA department. He was very helpful in setting me up with an FHA loan for my home. He even went beyond the mortgage broker role and spoke with the seller when they had questions and concerns about the FHA financing process. By the time he was done speaking with the seller, they felt very secure about selecting me as the buyer over a few other offers. I'm now the happy owner of that home! read more

Please stay away from this company. I got home mortgage pre-approval from Guild Mortgage Company at the Oakland Office in April 4, 2013. I provided all documents to Michael Jackson (Loan Agent) and branch manager John King. On May 31, 2013, my offer to purchase my house was accepted by the seller and I called Michael Jackson to start working on my loan. I spoke to him on the phone and told him to lock my up the rate which at that time was 3.75%. The branch and Mr. Jackson had all my paperwork to process the loan on May 31, 2013 but did not process my loan or request for appraisal of the property until 6/10/2013. Furthermore, Michael Jackson did not lock up the rate as I requested from him and never did anything to my file until 6/24/2013. The company did not take action until the seller's agent, my agent, my husband went to the branch to complain. I have spoken to the branch manager John King and Michael McCabe (District Manager) and they have been very unhelpful. I think they are many other agency that could do better and also they never listen to our request. I have filed complaint with other regulators agencies against them and hopefully they will discover all the errors they made. read more

Posting a 1-star having removed a star for every despicable thing Guild Mortgage in San Antonio on Sonterra Blvd. did over the course of our home purchase. Most people will unlikely read this full review, but we cannot refrain from providing a fair account of our recent loan experience (2017). Despite our better judgement after reading national reviews concerning Guild Mortgage, we proceeded with Guild after they 1) reaffirmed us "this office is not like the rest; we have 100% good reviews." and 2) "we will not sell your loan, we have our own servicer that will be financing and managing the mortgage over the life of the loan." Despicable Practices: 1) We were not provided a firm rate for financing up front. Only after we discussed another bank we might finance with did they make a rate offer by simply matching the other banks rates. 2) We mentioned to the officer; we would only consider financing through Guild if they did not sell the loan and provided some specific loan servicing features (loan recast & full payment pre-pay). We were put in touch with a Guild loan servicer who confirmed the servicing features would be included and that Guild would service the loan. Exactly 45 days after close we received a letter informing us our loan has been sold to Wells Fargo (the most corrupt bank in the country: currently being sanctioned federally in recourse after criminal account practices over nearly a decade). 3) During our option period, we shopped for better rates and found a loan at the same rate Guild was providing, but with No closing cost & No points. When we presented this offer to the Guild Officer; they confirmed (we have proof): "Yes....our office will match the offer.". Despite this offer we ended up paying over $1,394 in origination fees which would have been credited in a "matched" offer. Repeat: $0.00 LENDING CREDITS PROVIDED AT CLOSING AS PROMISED. 4) Guild's Negligence to communicate money transfer requirements in preparation for down payment wire caused a communication breakdown at the end of our closing period leading to a full re-audit of our accounts. Only after working with them through the weekend night and day were we able to reaffirm approval from Guild's Underwriters just a few hours before closing. 5) Our loan officer was contacted on closing day by the title company asking for another day to close. No only did our lender allow this giving previous owners more than a day of control of the property after final walkthrough where they could do anything (exposing us to tremendous risk), but then at the new closing date, for which we again had to take off work to attend; we were still unable to secure the keys/access to the house, walking away with literally only paperwork in hand. Our realtor was nice enough to secure the keys and bring them to us after Guild's payment wire had been confirmed later that day. 6) We were putting greater than 20% down so an escrow account is not required and we had asked that an escrow account therefore not be structured into the loan. Final paperwork indicated a $728 escrow waive fee not previously discussed or indicated in any previous loan estimates provided during the closing period. If you are even considering working with this company despite this review; please post a question or reply offering why. We will provide proof of our circumstances, additional warning & rebuttal, information & resources for better alternatives, etc. read more

I finally closed on our property. We were constantly challenged by listing agent on getting FHA approval ASAP so he would accept our offer. Martha Morales established a relationship with listing agent which is pretty much the reason why I have an awesome house today. Martha is truly incredible and knowledgeable. She took care of us through every step, even when I wasn't aware of it. read more