Guild Mortgage Company in Centennial, CO

I am in the process of purchasing a home. My realtor provided me with 2 mortgage company choices in order to be pre-qualified. I found Brett, in their Centennial office, to be more knowledgeable and responsive than the other company's representative. Furthermore, my nephew recently closed on his first home and was very pleased with his Guild experience. I recommend this company for your next mortgage.

Steer clear of them at all costs! Here are some of the worst aspects. I had an 800+ credit rating, a 20% down payment, this mortgage was well within the affordable amount, and I responded very promptly to all of their inquiries. Still, they managed to make the experience stressful until the very end. 1. The agent advised us not to lock in the rate right away and said she would tell us when she thought rates were at their lowest. Then she forgot about us for several weeks, until I inquired, a week before closing, and then she informed me that rates had gone way up, I don't expect her to predict the market, of course, but I did expect her to keep us informed, because she told us she would. 2. There was such procrastination that they didn't send employment verification paperwork until three days (!) before closing, making me scramble and bother my payroll person endlessly. This was after I had sent several queries asking if they had everything they needed. 3. Less than 24 hours before closing, we didn't have final approval, even though we'd responded promptly to everything they'd asked for. AFTER I'd wired the money for the down payment to the title company, they wanted proof not only that it had been wired (understandable), but that the money had been in the checking account before it was wired (would the bank have wired it, otherwise)? This would have been reasonable if it had happened a week earlier. 4. As of closing, they still had not wired the money to the title company, and we sat around waiting for an hour for that, us and the sellers and our agents, after we'd signed all the paperwork. If you want more stress on top of all the stress of buying a new house, go with Guild!

Company is a joke been with them 2 plus years no late payments nothing! Start my stream line (no credit or income check re fi) This is just to lower interest rates. Well anyways this should be a really quick process, took almost a month well They told me do not make a payment for this month you will skip two months! OKAY so i dont pay THAT MONTH they call on a Friday and say wow you need to pay this month now! okay? so I do, but i get a 30 day late because it was paid friday and had come out of my account that friday that was the last WORKING day of the month, and the next working day was the start of a new month! So anyway I move on and figure I'll just go else where! NOPE everyone now tells me no on a re-fi because it is a FHA loan now I have to wait 12 MONTHs before i can lower my rate! Dont understand how they are even allowed to do all this but what ever! Stay away FROM GUILD AND PNC they both are bad news

My wife and I have had the pleasure of working with Eric Kulbe and his team on four loans in the last two years! They have been consistently terrific for a primary residence, investment property and two refi's. We really like their team because they are so friendly, professional, communicative, efficient and accurate. The closings all went through on time and at the best interest rates. Eric runs a great business model complete with a pretty good magazine/news letter and exceptionally excellent real estate in person seminars! They have provided us with some valuable information, resources and contacts. We're so fortunate to have partnered with Eric and Guild mortgage

My husband and I have worked with Eric and his team three times over the past 7 years, and each time they have exceeded our expectations. They have wonderful communication with all parties involved and are sure to follow-up with us to see if there's anything additional we need. Timing has also been great. They were able to get our first closing done in about 2 weeks. Of course, fees are what drive consumers to shop around, and Guild has some of the lowest fees we've found. I won't lie, we had a couple of very small bumps in the road during our last experience (nothing that even came close to deter me from using Guild), and while Eric's team was more than capable of taking care of everything, Eric cared enough to personally reach out to us and make sure everything was alright. That impressed me and showed me how they run their business...customer's first. I have in the past and will continue in the future to recommend Eric and his team to anyone looking for a new mortgage or refinance.