Guild Mortgage Review 2023
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At a glance

3.9
Bankrate Score
Loans offered
Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; rate-and-term and cash-out refinancing; investment property
Nationwide Availability
Available in all U.S. states except New York
Min. credit score required
620 for conventional loans; 680 for jumbo loans; 540 for FHA loans; 540 for VA loans; 540 for USDA loans
Pros and cons
Pros
- 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
- Offers e-closings
Cons
- Doesn't offer home equity lines of credit (HELOCs) or home equity loans
- Doesn’t provide commercial loans
Guild Mortgage overview
Guild Mortgage is good for
Borrowers interested in a loan process that combines the human touch with technology
Breakdown of Guild Mortgage overall score
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Affordability: Guild Mortgage doesn’t charge lender fees.
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Availability: This lender works with borrowers in all states but one. It has a diverse set of loan offerings, including options for investors.
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Borrower experience: Guild offers the welcome combination of an online portal and local in-house processing, underwriting and funding.
Methodology
To determine a mortgage lender’s Bankrate Score, Bankrate’s editorial team rates lenders on a scale of one to five stars based on a variety of factors relating to the lender’s products and services. Bankrate’s partners compensate us, but our opinions are our own, and partner relationships do not influence our reviews. Here is our full methodology.
Affordability: 3/5
Guild Mortgage typically doesn’t charge an origination fee. The lender doesn’t display mortgage rates online, however, nor offers the ability to get a rate quote through its website.
Availability: 4.5/5
Guild Mortgage provides conventional loans as well as government-insured loans (FHA, VA and USDA), along with options to refinance your existing mortgage. It also works with investors. The lender operates in all states except for New York.
Borrower experience: 4.3/5
Guild Mortgage has been in business since 1960. The lender is accredited by the Better Business Bureau with an A rating, but a customer star rating of one out of five. The lender ranks above average on J.D. Power’s mortgage origination report for 2022. In October 2020, it settled with the U.S. Department of Justice related to allegations it “knowingly” approved ineligible FHA loans that later defaulted and led to FHA mortgage insurance claims, and also failed to follow quality control and reporting rules.
While Guild Mortgage offers online prequalification and preapproval, you’ll first need to connect with a loan officer to review your options. You can apply for a mortgage or refinance through the lender’s MyMortgage portal, where you can upload documents and manage checklists from any device. You can also submit income and asset information electronically (or this information can be retrieved directly from the source), communicate with a loan officer and receive real-time status updates.
Guild Mortgage also offers e-closing capabilities, allowing you to review and sign the e-note, the digital equivalent of a promissory note, from any location. The documents are retained in an encrypted electronic envelope and accessible through user authentication.
To talk to a loan officer about a mortgage for a home purchase or refinance, you can call 800-971-3864 Monday through Friday from 6 a.m. to 5 p.m. PT.
Refinancing with Guild Mortgage
You can begin the refinance process with Guild Mortgage online, but the lender doesn’t advertise refinance rates or costs on its website; you’ll need to contact the lender directly for a quote.
Alternatives to Guild Mortgage
- Lower mortgage review – No lenders fees on refinances for current customers
- Chase Home Lending review – $5,000 close-on-time guarantee
- Goodmortgage review – Programs for borrowers with slim credit
Guild Mortgage consumer reviews

4.7
12 reviews
About consumer ratings
Customer service rating
92% of reviews would recommend this lender
2 of 2 rates honored
Review this lender
Write a review of your experience with Guild Mortgage.
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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.
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Written by
Josephine Nesbit
Josephine Nesbit is a former contributor to Bankrate.