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At a glance
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Conventional, FHA, VA, USDA, jumbo, renovation loans, non-QM; refinancing options include rate-and-term refinancing and cash-out refinancing; reverse mortgages
Available in all U.S. states except New Jersey and New York
Min. credit score required
620 for conventional loans; 620 for VA loans; 600 for USDA loans; 580 for FHA loans; 660 for jumbo loans
Pros and cons
Variety of loan options for primary, secondary and investment properties
Multiple first-time homebuyer, down payment assistance and affordable lending options
Seamless online application and documentation submission
Doesn't offer home equity loans or home equity lines of credit (HELOCs)
Doesn’t offer second lien programs
Doesn’t provide commercial loans
Guild Mortgage overview
Guild Mortgage is an online and brick-and-mortar lender that was established in 1960. It now has 4,000 employees operating from more than 220 branches in 30 states and says it's one of the fastest-growing mortgage companies in the nation.
Guild Mortgage offers a wide range of residential mortgage products. Its loan professionals are committed to delivering personalized service and closing on time. Through its MyMortgage digital mortgage, and its local in-house processing, underwriting and funding, Guild Mortgage brings the best of technology and people expertise to the mortgage experience, according to the lender's website.
Guild Mortgage lender fees vary by loan type. The lender typically does not charge origination fees.
Minimum borrower requirements
Guild Mortgage adheres to the conforming loan requirements for mortgages approved by government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac, as well as those backed by the Federal Housing Administration (FHA) and the Department of Veterans Affairs (VA).
For conventional loans, key requirements include good credit (typically a FICO score of 620 or higher). Depending on the loan, a minimum down payment of 3 percent is required.
Government requirements for FHA and VA loans are detailed here:
Star ranking and total number reflects the lifetime consumer reviews received while this lender has been an advertiser on Bankrate.
Customer service rating
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100% of reviews would recommend this lender
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The consumer reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.
To help serve you with relevant information the consumer reviews shown below are limited to only those that this advertiser has received during the past 12 months.
Friendly, Knowledgeable and Responsive!
Anonymous | St. Louis, MO | 11/19/2020
The entire process was smooth with good communication throughout. Application to Funding in 35 Days!
Closed on time:Yes
Level of service
Easy to work with.
Best Experience | Pacific Northwest | 2/7/2021
We used Guild originally due to our realtor recommendation. I've worked with several mortgage companies and Guild is by far the best in terms of consistency, professionalism, easy access, and transparency. We refinanced once through them and I'm thinking about a second refinance.