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LAST UPDATED: June 3rd, 2022

Founded in 1960 in San Diego, California, Guild Mortgage is a nationwide mortgage company specializing in residential home loans. Guild Mortgage's services include local in-house processing, underwriting, and funding.

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The Good

  • Variety of Loan Types
  • Specialized Mortgage Programs
  • Online Application Process
  • Homebuyer Tools
  • Guild Mortgage Reviews

Variety of Loan Types

Guild Mortgage offers the following loan types, of which are common options among lenders in the industry:

  • Conventional Loan
  • Fixed Rate Loan
  • Adjustable Rate Mortgage (ARM) Loan
  • FHA Loan
  • VA Loan
  • USDA Loan

In addition, Guild Mortgage offers a variety of specialized loans that aren't typically offered by other lenders and that can meet a wider variety of homebuyer needs and circumstances:

  • Reverse Mortgage Loan — for retired homeowners age 62 and above who would like to access their home equity for some extra cash.
  • Renovation Loan — upgrade, update, and renovate your home with payments made over time.
  • Bridge Loan — a short-term loan that can be used to purchase a secondary primary residence.
  • Manufactured Home Loan — a specialized mortgage for financing a mobile, manufactured, or modular home loan purchase.

If you are looking for a more specific type of mortgage beyond a conventional loan, Guild Mortgage could be a good option for you.

Specialized Mortgage Programs

To assist homebuyers in the mortgage process, and to provide greater flexibility, Guild Mortgage offers multiple mortgage programs:

  • Down Payment Assistance (DPA) Program — designed for those who need help making a down payment on a home
  • Lock and Shop — lock your rate while shopping for a home, securing you against rising rates
  • Zero Down Program — designed to get people to homeownership faster with zero percent down
  • Doctor Loan Program — specific loan options for doctors
  • Energy Efficient Mortgage Program — designed to help homebuyers purchase an energy efficient home or finance home energy efficiency upgrades

Online Application Process

Guild Mortgage has an entirely online application process, getting you to closing much faster. When you apply online you will add your personal information, including your chosen loan type and state of residence, and you can also add any co-borrower information and choose a loan officer.

Homebuyer Tools

The mortgage process doesn't end with a home purchase. Guild Mortgage understands this and provides various tools to assist homebuyers before purchasing a home as well as after.

To crunch numbers and help you estimate costs, Guild Mortgage provides the following online calculators:

  • Total Mortgage Payment Calculator
  • Pre-Qualification Calculator
  • Affordability Calculator
  • Cash-to-Close Calculator
  • Refinance Calculator
  • Net Proceeds Calculator

If you need payment assistance after closing or experience unexpected financial difficulties, Guild Mortgage also provides hardship and loan payoff assistance tools.

Guild Mortgage Reviews

Guild Mortgage reviews are currently limited, but customer sentiment is primarily positive, highlighting exceptional customer service including attentive loan officers. Customers also frequently mention the ease of Guild Mortgage's online application process.


The Bad

  • Lack of Transparency
  • No Home Equity Loans or Lines of Credit

Lack of Transparency

Guild Mortgage has not disclosed interest rates or closing costs on its corporate website, which can make it challenging for consumers who would like to have an idea about what their rates and fees will be before actually applying for a loan.

No Home Equity Loans or Lines of Credit

While Guild Mortgage does offer a reverse mortgage option, allowing retired homeowners to access their home equity, it doesn't offer a home equity loan or home equity line of credit option.


The Bottom Line

Guild Mortgage offers a wide selection of loans with a simple online application process, making it easier and faster to close on your dream home, which satisfied customers are quick to highlight in reviews.

If you are looking to purchase a mobile home, or finance energy efficiency upgrades, or you have any other specialized mortgage needs, Guild Mortgage will likely have a solution for you through one of its many loan programs or specialized loan types.

To learn more about this mortgage lender, we recommend reading Guild Mortgage reviews below.

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Star Rating


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11 Reviews

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Review Source

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sunday toler Matthews, NC

I absolutely love this mortgage company. The employees are fabulous, friendly, and helpful. The website is so easy to use to make payments and so much more. They have an image on the website when you make a payment that makes you feel accomplished like an add-a-boy, LOL…During these Covid hard times they gave me a forgiveness for numerous months. I would highly recommend them above all others.

2 years ago


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Daniel Henderson, NV

We have had our mortgage for a few years with Guild mortgage. Since the first day we stepped into their office, they have been very helpful and informative. The entire process from start to finish was simple and they handled all our information securely. They explained each step and what was needed from us. After all was said and done, paying and accessing our account can be done quickly online. My wife and I couldn’t have been happier choosing Guild mortgage as our lender for our first home.

2 years ago

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Ann Dickinson Lake Elsinore, CA

They are amazing in every way. From the very beginning they treated me with the utmost respect for which I was most grateful. I bought my first home in my 60s and I as a first time home buyer they walked me through each step of the way.

5 years ago

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Diane Adams Gadsden, AL

Went to Guild Mortgage for a new home loan. The loan officer refused to put in the loan amount I was comfortable with and infact double the amount I was looking to borrow. He wanted me to wait 6 months to “get me a better deal “. I was interested in a USDA loan, which he refused to pursue. I then went to another mortgage lender and was approved and ready to go in minutes.

3 years ago

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keith Longview, TX

Great company. Had some issues during purchase but they are very responsive. Website is A1 and customer service is very helpful and friendly.

5 years ago


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Sunday Toler Matthews, NC

I absolutely love this company. The website is so easy to use. The staff is awesome. They have been so helpful and understanding during this pandemic.

2 years ago


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Rebecca Carter Springtown, TX

Tim was very fast and was a breeze to work with. He makes buy a pleasure instead of a nightmare. Would definitely recommend him and use him again in the future.

2 years ago

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Maggie Henderson, NV

Pathetic customer service. No follow through. Drag their feet and leave clients with no approval and out of their earnest money and appraisal fees. Use any other lender. Your time, money and efforts mean nothing to them. Find someone who will appreciate your business and work to earn it.

7 years ago


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Glenda Broussard Reedsburg, WI

They made the house buying process so easy; everything was done online. They updated me once per week once my offer was accepted.

2 years ago


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Jimmy tang Rancho Cordova, CA

Was a great experience bought my first house with them very helpful an hands down best company I worked with

2 years ago

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Mark Rygh

Service is good, rates were OK. Closing was OK xxxxxxxxxxxxx

5 years ago