Guild Mortgage Company Diego
+1 800-283-8823
https://branches.guildmortgage.com/ca/sandiego/express-lending-416.html
5887 Copley Drive Floors 1, 3, 4, 5, And 6, San Diego, CA 92111, United States
Guild Mortgage Company Reviews
T
Guild Mortgage was exceedingly helpful in facilitating the loan process for my home purchase. As a first time home buyer, Cheryl and her staff helped me understand the process fully and presented every program and option available. This assistance absolutely made the deal happen. I couldn't be more satisfied with their service.
A
Tara was amazing. My wife and I were first-time home buyers using the VA loan. I was deployed overseas to the middle east when we started looking at houses. I was in 3 different countries in a completely different time zone and she was consistently able to make her schedule available to meet with me. Everything from professionalism, communication, kindness, and a tremendous work ethic was demonstrated by Tara. I felt well cared for as a vet. Tara actually cared. We got our first dream home without any issues. We are excited to work with Tara again in the future and will definitely be sending referrals her way.
K
I cannot say enough good things about working with Marlo McCartney and the whole Guild Mortgage team in Tucson! Marlo was there for me with answers to every little question , including questions I asked over and over again. :) She took time to go through my loan documents and proactively checked in on me just to see how I was doing throughout the whole process. She was in constant communication with my agent, and went above and beyond to help with a challenging situation during the buying process. I appreciated all the assistance and would recommend Guild (and in particular, Marlo and her expertise) to anyone! Thank you for getting me into my FIRST HOME!
R
Melissa and her five-star team are exactly what any home buyer needs! They walked my husband and I through every step of the home buying process explaining everything. I am so happy we were referred to her! She got things done quickly, correctly, and on time. This was our first home and she made it a breeze. I would definitely refer her to my friends and family. :-)
D
Bruce and his team took exceptional care helping us with our refinance. We were in the middle of a big remodel and was using our line of credit to pay for it. Curious about what he might suggest I called Bruce for advice. After speaking with him he was concerned that mortgage rates would most likely go up in early 2022 and that a cash out refinance might be the best option to lock in low rates and help us pay for the remodel. His strategy worked absolutely perfectly. We locked in a very, very low 15 year loan, got the cash to pay all the contractors, and avoided refinancing in April after rates had gone up 2%! His advice was invaluable and his team, as usual, was speedy and communicative throughout the entire process.
b
I just wanted to share a quick note that working with Guild Mortgage and with Mirajoy was absolutely amazing! We’re glad and happy that we decided to work with them. They’ve helped us to do the process smoothly and taking care of almost everything. We’re still looking forward working with Guild Mortgage and we wish all the best..
L
From the first conversation with Trey I knew we were set up for success. Terence with Remax Southern our agent for many years now referred us to him. He said he's the best! We didn't hesitate to give him a call. We moved back to Lexington from Conway; due to the market and other extenuating circumstances we needed to come in strong from a financial standpoint on our future home. Timing was everything and Trey knew this as well. We connected with Trey and felt an immediate sense of trust in his abilities with numbers and the best mortgage for us. He stuck with us to the very end and was always available to answer our questions along the way.
K
We worked with Trevor nearly three years ago when we purchased our house and he set us up with a USDA mortgage which was the best option for us at the time. As interest rates fell, we wanted to take advantage of refinancing and thought it would be easiest to stick with PennyMac who our mortgage had been transferred to. After a long lengthy process, sending the same documents over and over, it was determined we were no longer eligible to refinance with the USDA loan anyway due to income restraints which we could have been told months before when the process had started. We decided to contact Trevor again and he was incredibly prompt and quickly provided us with our options, better rates than we expected. After providing the necessary documents, the whole process only took a few weeks and was stress free. My only regret is not reaching out to Trevor in the first place.
J
Brea, Melissa, Margo, Ashley, and Tom are amazing! I used them for my original home loan as well as my refinance this year and they saved me hundreds of dollars a month on my mortgage payment. I highly recommend their professional services and incredible knowledge of the mortgage industry if you are looking to purchase a home or refinance. Tom has a great team to help make your owning a home dreams come true.
J
Dave was great. He was thorough throughout the entire process. I felt like he really took the time to explain everything to me which was very important because this was my first home purchase. The entire process was seamless. Him and his team were always responsive and got back to me within a few hours at most.
S
This is my second experience working with Lori Ferreira and I am continually impressed with her quality of customer service. I presented her with a difficult refinancing scenario and she was always willing to work with the assets I had available. Lori took the time to understand my goals and went through countless options with me to see what would work best.
S
John provides exceptional service. I walked me through every step and made sure I understood what was happening. I was blown away how responsive he was to my texts and phone calls. I am so grateful for all of John's knowledge, his ability to explain complex issues clearly and his level of caring that went into making sure this was as smooth a process that was possible.
M
Gabriela Santana with Guild Mortgage is a loan officer who is bilingual, smart, knowledgable, loan savvy, and personal. She goes all out to take care of her clients. My family was very fortunate to have her help us during our loan process. I would recommend her to anyone in need of a new loan or refi. The purchasing of a home is very stressful, it is great to have someone who has your back and is making sure that the paperwork is done right. Guild Mortgage is very fortunate to have her as one of their loan officers.
M
Noran was exceptional to work with during my home purchasing process. She made every step painless and everything ran so smoothly with her guidance. I could not have asked for a better person to help me with such a HUGE financial decision. She communicated with me every step of the way and responded to any questions I had immediately! The lady is a GEM and i feel very fortunate to have her support during this process.
L
We were appreciate for helped with purchase our house. We had a good experience working with this bank's team. Every time was a good communication about about processing documentation and other questions which we had. We closed at the time. I very recommend use this is bank. Thanks you one more time!
V
Jeremy from Guild Mortgage is amazing. He helped us so much during the home loan process. As first time home buyers, we were very confused about everything, but Jeremy was there with us every step of the way and made sure we understood all of our options. I can't recommend Jeremy and Guild Mortgage enough.
D
If you are looking for a lender that you can trust to have your best interest at heart, Patrick Doyal is your man. From my first-time home to now my third i have used him for each. I cannot speak highly enough about him and his professionalism, knowledge and understanding to your needs. His goal is to make the process as smooth as possible weather it's your first home or your tenth. If i could give him 10 stars i would. Patrick and the team at Guild will not disappoint.
S
Jack Shull and staff exceeded my expectations! He was able to refinance me out of my FHA loan without an appraisal, in less than 30 days and no money out-of-pocket either upfront or at closing. I tried previously to refinance with two other lenders only to be forgotten or expected to bring a significant amount of money to the closing table. Guild Mortgage is the way to go! They are expedient and thorough and will get you the best loan possible! Thank you Mr. Shull and staff!
L
It is my husband and I first time home purchase. We were looking for someone whom we can trust and Don exceeds our expectation with his integrity and honesty! He went over and beyond to help us in our home buying process and walked us through every step. He was prompt in answering all of our questions and took the time to explain everything to us in detail. Don has an amazing team! We are impress with the explicit quality of work put together in the short time given. They did an amazing and superb job in assisting us every step of the way! We are so thankful for you and your team. Thank you again!!! We couldn’t have done it without you all!
H
Guild Mortgage is very professional, informative, helpful and timely. I will use them again if we purchase another home. I have already recommended them to friends and family. Thank you Wendy and team!
S
Elaine Anderson and everyone at Guild Mortgage made our first home paying process amazing. The whole team did a great job explaining everything and keeping us updated. Elaine was able to help answer questions anytime we had them and was very easy to talk to. I was very impressed with how well getting all the documentation worked and well organized it was. Once we got it in, their review process was great to make sure there were no questions later. I will be telling many people to come see Elaine and her team at Guild Mortgage. THANK YOU!
J
This was my second time financing a home through Guild. Their reps are friendly, helpful and great communicators. I particularly like that they speak plainly and don't rush the process, which I've experienced with other lenders while shopping around for home loans, which really has made buying a home a much less stressful experience than it would be with others. Thanks!
A
My loan office, Jae Winter was phenomenal. I cannot wait to recommend her to my future homeowner friends! She made the process a tolerable and pleasurable one!
J
Noran Muntasser was truly awesome to work with! This was our first home that we purchased and Noran walked us through each and every step along the way. She worked non-stop, around the clock for us, and was always available for questions, no matter how big or small they were. She was responsive, knowledgeable, and was constantly checking in with us if she hadn't heard anything from us in a few days (and I mean that in the best way)! I honestly cannot recommend her enough and going with any other lender would just be a mistake!
T
Working with Noran was a pleasure. She was incredibly attentive and quick to respond throughout a process that took several months. There was even a complication that she was quick to rectify. Frankly, Noran provided not only mortgage support, but she helped me expand my vision of what was possible for me. I'm very grateful for her steady guidance and care!
D
The details of my specific buying circumstances were handled with care and attention and I was able to close on the home I purchased within the forecasted timeline. I recommend Guild Mortgage, and specifically Julie Burner, for her consummate professionalism, timeliness and excellent communication for all steps required.
S
Bruce Baker and the other Guild team members (Julia & Ronna) with my mortgage application and closing were incredible! Excellent communicators by phone, email, or text. The website to submit documents was easy. I feel like they understood my personal story and my need to buy a home. They did some research to find the right program (Freddie Mac) that would help my closing costs. They explained the loan process and answered my many questions. The process was painless and fast. They were efficient and on-task, helping to finish the process about 20 days earlier than the REPC due dates. I know it’s a business transaction, but I think they were heaven sent. The right people at the right time! Will definitely recommend to friends & use Guild again for future mortgage business.
T
5 star for sure; this team stays on top of things and executes phenomenally; there was 1 hiccup I had with my property that I was totally unaware existed and the ladies were on top of it, they gathered the data that I needed to resolve the hiccup, I was able to resolve the hiccup but the open communication w/the team made my life great. I'm super busy working nights in a hospital crisis center and working pharmacy by day & trying to grab a few hrs sleep; so the ladies follow-up for someone like myself was absolutely needed. I salute the "Ladies at Guild Mortgage", Great Job!
E
“I worked with Guild Mortgage on a new home mortgage closure. I was referred to them by my realtor (who is also amazing to work with). I had a great experience working with Guild Mortgage the communication was amazing , their online system is easy to use and their team was so professional. I highly recommend Guild Mortgage for all your mortgage needs to my friends and family.”
M
Elena was great to work with. She made a complicated and complex process as smooth as can be. She made herself available and accessible whenever we needed her. Not only did she answer the questions we had, she even provided answers to questions we did not yet know to ask. Thank you Elena.
A
I could not have asked for a better loan experience with Leslie and the entire Guild Mortgage team. They kept me in the loop with everything and navigated me through my first-time homebuyer process with ease. I would welcome the opportunity to work with them again when the time comes to make another home purchase. Thank you for helping me purchase my first home!
L
Thank you Ashley Meyer’s Team! I am truly grateful for you all and the open communication you had with me throughout the entire process. I felt supported and heard, which is something I never felt with other companies. I’m so happy that you all were recommended to me, because I am finally home.
S
Guild Mortgage made the entire home purchase process extremely easy and straightforward and we are extremely happy with them. They were very helpful, and will definitely be using them in any future real estate purchases.
M
The refi for our home went smoothly thanks in large part to Brian and Team knowing all the in's and out's. We got the best rate, and the most equity out of our home we could possibly ask for.
A
Michael Dunn and his team did an amazing job during the entire process. They answered questions expeditiously and gave great detail of what to expect next once a task was completed. look forward to working with them again in the future.
E
Very professional, helpful and honest. Willing to go above and beyond for their clients. I‘m so happy we chose you, and I would recommend the team to anyone at anytime.
C
Kelly made the home buying process easy to understand. She was compassionate and considerate. Her attention to detail and knowledge of the market was apparent and so helpful! I highly recommend Kelly Trudell to anyone looking to buy a home!
R
This Company Wow ! Was Awesome Ms Susannah is Awesome In Brentwood CA.The power of home owner She help me with my Finances .First time home Buyer.Im still going strong.love Her and Will my agent.💕💕
M
Our experience with Phil Clark could not have been better. He was always on point and did not waste any time answering our questions and concerns. Very pleasant and courteous, Phil worked with us until the very last minute when we signed the last paper of the home Closeout. Will procure his services again without hesitation. He alleviated so much of the stress that comes with buying a home from us that today we are living in our new home and it feels like we didn't put much effort into buying it. Thank you Phil for such a great customer service and been so pleasurable to work with. Every business should employ associates of your caliber. We are extremely greatfull for your service. Miguel and Yong Lozada
S
My original loan is with Guild Mortgage. Before contacting Guild for refinancing, I contacted the online mortgage companies that promised low interest rates etc. Guild's rates and points were the same. I chose to refinance with Guild because I knew that I could trust Trey Baker and Guild Mortgage.
R
Katie Shiers is the best! She is very professional, returns all calls, answers all questions, and makes great recommendations. She truly makes the loan process personal and takes interest in your best interest. I can't say enough good things about how pleasant this experience was and working with Katie was a joy! I highly recommend Guild Mortgage and Katie.
K
Casey Parsons is definitely one of my favorite people in general, not just as our Loan Officer. She has been so nice and easy to work with throughout the purchase of our home in 2018 and the refinance this year. Everything was smooth and simple. She kept us up-to-date and was so patient when I had questions. She was also friend when I needed one. I'm super thankful for her and her team at Guild Mortgage and will send anyone I know her way.
M
Working with Beth Walker and her entire team was a breeze during my refinance process. Everyone was proactive, efficient and communicative. They went above and beyond to make the process painless, quick, and were friendly throughout the process. Working with this team is honestly the best, and I can't imagine ever using anyone else. Thanks for all the hard work!
A
Evelyne was amazing to work with. Truly made the mortgage financing process go so smoothly and efficiently. She is very knowledgeable, friendly, responsive and professional. I was able to close on my home and have my mortgage funded within a month. I would gladly work with her and Guild Mortgage again.
M
Nichole was very knowledgeable and was always available to answer questions to update up on the loan process. I would definitely do business with Nichole and Guild Mortgage in the future. The process was streamlined and easy.
H
Kristina Bailey made my first time buying experience so smooth and seamless. She was very thorough and made sure that I understood everything that was going on and what was expected. I'm a small business owner and have heard horror stories about qualifying for loans but Kristina is so experienced that it was no problem. I highly recommend her for new and repeat home owners!
B
Dean answered all of our questions throughout the entire process. He discussed all options we had so we could quickly make decisions. He was very responsive and provided excellent customer service. The process was easy and we were able to focus on buying our new home. Thanks!
A
Kerry Rhein King is the best in the field! She is attentive, compassionate, considerate and just a great person overall. She comforted me when I was having a mental breakdown and made me feel assured that everything would work out for the best. I closed on my home in time with the full knowledge of what would happen at the table before I sat down. I would refer anyone who asks me about my home purchase process to Guild and Kerry's team. I will forever be grateful to Kerry for her dedication and attention to detail.
M
Stacie shone and her team were amazing to deal with and they made the entire process so easy! Out of all the lenders we have worked with in the past they were by far the best! I would highly recommend them!
R
I am so very grateful for Max Neubauer and Guild Mortgage. I contacted several lenders at the beginning of my loan search and Guild Mortgage was the only lender that was able to accommodate my needs in the market for which I was searching. Max and his team were extremely professional, and I felt that the process went very smoothly. When it was time to lock in, Max was actually able to save me money, which was a pleasant surprise. Since I live in another state, I found the automated process to be extremely efficient and helpful. Max and the entire Guild Mortgage team helped me to realize a true dream in buying a second property. Max will definitely get any referrals if I should know someone in the future looking for an excellent lender.
M
Trust!! That’s how I describe my relationship with Andy Scott and his team with Guild Mortgage. He is very knowledgeable and knows exactly all the ins and outs of a loan process. And it makes all the difference having the best loan officer on your side vs the average loan officer especially in this competitive market. Also, he is very responsive to calls, text, & emails and walks you through the entire process step by step. From his team, I worked with Naba Khan, who is super professional and very communicative when it comes to providing updates for every single step of the way. These guys are smart, fast, and their main goal is to get your loan approved with the best rates and conditions. I would gladly recommend Andy and his team to my friends and family.
A
Once again Leighann came through. When we bought our home 18 months ago we use Leighann to purchase that home through Caliber. Since we purchased the home Leighann had changed companies to Guild. Caliber reached out to me about refinancing, which I did not think was worth it after 18 months. I decided to look into it. To make a long story short. Everything was good until the appraisal. The gentlemen that did my appraisal was not so easy to work with and was not familiar with homes in the New Holland market . The appraisal came back $12,000 more than I bought it for and we made multiple improvements. With advice from Greg Hostetter from Hostetter reality in New Holland I reached out to Leighann. Just like my first experience she killed it. Process was so much easier and I eliminated PMI and lowered my payment $200 a month with no money down. Thank you Leighann!!!
R
Noran at Guild was absolutely fantastic to work with! She took care to explain everything that was happening with my mortgage application. Even when she had already explained something to me, Noran was happy to go over it again when I didn't understand or felt unsure about the process. Noran always asked me if I had questions and how I was feeling along each step of the way, which I really appreciated. The last time I bought a house, I felt like my lender didn't have time for me. But I never felt that way with Noran! She responded quickly to emails and calls, and always made sure I knew she truly cared about my home buying experience. I wish I had known Noran when I bought my first home (it would have been a much better experience if she had been my lender!), but I feel so lucky to have found her for this home purchase. I will definitely be using her as my lender from here on out!
M
Kim was fantastic to work with! She and the Guild mortgage team were so friendly and helpful, and they were very quick to answer any questions I had along the way. I really appreciated how simple the process was, and I loved being able to check in on the website to find out the status of my loan. It made my life easy!
H
The whole Guild Mortgage Team I worked with (Stacie, Patti, Alec, and Tonia) were wonderful to work with! For my first home buying experience, I couldn’t have asked for a mor communicative or proactive group of people. Every question I had was answered thoughtfully, and I can easily say the loan process was the best part of the home buying experience. I could not give a higher recommendation. Thank you!
R
It was such a pleasure to work with Tucker Maxwell from Guild Mortgage! I cannot say enough about his professionalism, expertise and ease of communication. Tucker made all the difference in our home buying experience! Tucker answered our questions and guided us through the lending process. There were no surprises. Buying your first home can be a stressful process, but with Tucker's help we had the necessary information to be able to navigate through the process successfully. Our family is forever thankful for our amazing experience working with Guild and having the best Loan Officer to work with. Thank you Tucker!!
a
Gerri is phenomenal! Absolutely love her! Will definitely work with her again. She is very through, detailed & patient in explaining everything and anything needed. She is truly on your side on helping you with your home purchase. Cannot speak enough praises about her! It’s been a great pleasure. She communicated greatly and efficiently. She made buying a home for the first time a very great experience and easy process to understand when seemed complicated.
J
Aaron and team were great from the first call to closing. We had a unique situation (purchasing a house for a parent), and Aaron was incredibly knowledgeable about our options. We were also interested in closing within three weeks and they made it happen. I was also surprised to hear that Guild keeps the mortgage loan and doesn't immediately sell it. We are happy to continue being Guild customers, and give them our highest recommendation!
S
We loved our experience with Guild Mortgage. Susan and Justin were amazing. We were helped every step of the way. We had a lot of questions along the way and every single one of them were answered very quickly. We closed right on schedule and it was an extremely smooth process. We highly recommend Guild Mortgage!
J
Gavin is very professional and responsive. From my experience working with him what I value the most is how quick he answers all my questions and the knowledge he has to solve any problem that may arise during the loan process. He always sends updates and will hold your hand throughout the process. Gavin and Team Brayce THANK YOU for the great work you did for me. Working with you all was fabulous and I will gladly send your way anyone I know that is in the market!
K
I cannot thank Megan enough for making my first time buying a breeze! She was a great resource and walked us through the entire process. Megan went above and beyond in by ensuring to answer every question we had in a timely manner. Her and her team were always ahead of the game and gave me step by step updates. There was not one moment where I felt like she did not have my best interest. I would recommend her to anyone I know buying or refinancing. Her attitude and positivity really helped us during the crazy market. Thank you, Megan!!
D
My experience with working with Clay Henry and his team at Guild Mortgage was simply fantastic. This team, which included Layla Jones, Jeanne Kowalski, and Kellie Kleber were exceptional in every aspect of their roles and responsibilities. Their execution throughout the process was precise in every aspect and as someone who was relocating from out of town, they made us feel like family. This team shines. Everything happened exactly how and when they said it would. There were no surprises, no delays, no issues of any kind. They were a joy to work with, and Clay as their leader is certainly one of the best around.
S
Was great working with Alec and his team. They were professional fast to respond to any and all questions. They made the process simple and easy to complete with no surprises. Highly recommended for your mortgage needs.
S
GUILD MORTGAGE is an awesome company with great team - Beth, Angela, Charmaine and Stephanie! The process was very efficient and prompt - they did all the work and send me regular updates from beginning to end. I am very impressed and amazed with the whole process - so painless! Highly recommended - no doubt, The Best!
l
I never expected to get approved for a mortgage so when I contacted Craig at Guild he was amazing to speak with. I felt confident that I could get a mortgage. When I heard back from in 2 days saying I was pre-approved I couldn't believe it. It was so quick and the rest of the process was the same. I got call back in a reasonable time and everything was explained. Craig and his team are just great, I would definitely contact Craig at Guild for a mortgage, it was smooth and easy.
K
I absolutely recommend Andrea and her team ! They have been so wonderful throughout this entire home buying process. Their level of professionalism and helpfulness is second to none. Andrea and Paige are amazing. 5 stars!!!!
S
Denise Prothe and her team are absolute rockstars! Going through the loan process as a self employed person is a total headache, but they were super supportive and awesome at communicating and helping guide what kind of documentation and supporting info is necessary. I have the chance to work with them all the time as a real estate agent and am constantly impressed with them on that level, but when they did my personal loan I was ecstatic as a direct customer and feel so confident about continuing to recommend them to my clients. So good at communication, expectations, and keeping things on track.
M
The mortgage process at guild was a breeze. Mark and his team were great at making sure it was a smooth process. He was in constant communication and made sure our minds were at ease. I’d highly recommend using Mark and his team at Guild!
T
If you’re looking up reviews on who to use, I’ll do you a favor and stop you right now…call Jesse! We did our mortgage shopping before going with Jesse, and he made us feel incredibly comfortable. We have crazy work/life schedules, but he always made time to talk with us. He never spoke at us with terms that are confusing to the average home buyer; he was amazing at speaking to us and explaining in terms that we understood. He got us the best rate and gave us an idea up front of what we needed out of pocket so there would be no surprise or unexpected fees at closing. Most importantly, he was professional, patient, courteous, and honest. We’ll be calling Jesse for our next mortgage without question!!
D
The entire team at Guild mortgage beyond exceeded my expectations of what buying my first home would be like. From start to finish I truly felt like I was in trusted hands. My experience was so personalized, and each member was through and clear in their communication, they made sure I fully understood each step. Not only that, but the response time for any of my questions, and in the processing of the loan in general, was VERY prompt. I’m in awe of how hard this team worked for me, and how they genuinely cared about setting me up for success. The customer service is unrivaled, and I feel blessed to have had them as a part of my journey.
m
I would recommend Chad Sandusky and Guild Mortgage Company every time. Chad explained every step of the mortgage process and everything went smoothly. Thank you
M
The service and personal attention we received from Janet Rollofson was exceptional and beyond what we were expecting! Her knowledge of the local and national market and her commitment in finding us the best rate helped us in our search for our dream home. As first time home buyers everything was new to us and the most important thing we wanted was someone we could trust. She was there for us every step of the way. I'm glad we chose her services and would recommend Janet to anyone buying a home.
T
We love the Owen Group with Guild Mortgage. They are seriously the best! Any questions ninjas they answered right away. I wasn't wait for day or week for communication we were in touch almost every single day! Easiest refinance I have ever heard of. I recommend to anyone we know that's is searching for houses to go see Debbie before doing anything else and she will help get you in the right track! Thank you Owen Team!
C
Cheri Frazzell was so great to work with! Our agent referred us to her and said, "Cheri is superb!" She wasn't kidding! Cheri listened to our needs, got to work on a creative solution, and maintained excellent communication throughout the process. It was totally seamless! We're in our dream home and very grateful for the support from Cheri and Guild. Thank you!
C
Lorrie worked hard to ensure my family and I were able to purchase our first home. She was fast, professional and curtious. The Gordon family appreciates her hard work!
A
Amazing experience with Richard Key. He really cared about my questions being answered. He made my process seamless. I would definitely refer him to others.
K
Melissa made the entire process effortless and painless. Her responsiveness was unsurpassed.
r
Brian Page and his team were exceedingly knowledgeable about every step in the process. We could not imagine going through this process without their expertise and attention to detail.
T
Rene was amazing to work with! She was available day or night to either update me or answer my questions throughout the process! We had many hurdles and self inflicted challenges but Rene did nothing but support us and worked tirelessly to get accomplished what we needed!
I
Mr. Folta is an AMAZING person! He walked me through the process & was always available when questions needed to be answered. My process couldn't have went any smoother. Mrs. Chapman is AMAZING as well! She kept me informed & up-to-date on the process.
J
Thank you Taylor Team! Especially Jaymie, Lori and Nora. You made the entire process of re-financing such a positive growth experience for me. I will be forever grateful to each of you.💕
T
Guild Mortgage and Rayko Diaz did a fantastic job when we purchased our new home! Rayko was a real joy to work with. I really appreciated his engagement and customer focus. He was always available for questions and made the financing part a breeze. Guild’s customer portal was also very easy to use and made it easy to provide all of the necessary documents for the approval process. I would definitely work with them again in the future if I ever need to buy a new home again.
N
Guild Mortgage did an amazing job communicating with us through the loan process and worked for us to get us approved for our first home. We were always treated with kindness from Kylee Hogan and we would definitely recommend her to anyone looking to purchase a home!
P
Kimberly was absolutely amazing! Definitely look no further in finding a loan officer. She was always very easy to get a hold of and worked tirelessly to help us finance the home of our dreams. With this crazy housing market, we did hit a few bumps and Kimberly helped us to be more competitive in our housing offers. Kimberly was always very professional and kept me informed every step of the way. My husband and I cannot wait to move in to our first home all thanks to her!
T
5 stars for Lu Beltran and her team. From beginning to end there was good and timely communication, accountability on borrower and lender sides, and constant updates on any loan changes. Good follow through to meet deadlines and loan expectations and much friendliness, care, and courtesy was shown. We value the personal touch, it made us feel that our needs and their business with us mattered. We confidently and highly recommend Lu Beltran and Guild Mortgage for any purchase and refinance loans. We definitely will use them again and again in the future.
M
My realtor gave me a few names of mortgage companies. I went with Guild because they had the best reviews. I am very pleased with them. Cody and Sasha were very familiar with the whole process and answered all my questions. They were always available and dealt with all my concerns in a timely manner. I closed on my home today and am relieved and happy I went with Guild.
J
I'm forever grateful for Martha! She went above and beyond to make buying my first home an incredibly easy and straightforward process. She was always quick to respond if I had any questions or concerns, even outside of normal business hours. The level of care, attention to detail, and professionalism demonstrated by Martha far surpassed my expectations. As a first-time home buyer, I really appreciated honesty and transparency throughout the mortgage process.
T
I was referred to Frank and Guild Mortgage by an investor friend of mine and contacted Frank when I was already in the process of working with another lender who unexpected increased the loan cost. Frank was able to provide much better option for me, get everything processed on time for closing and also helped to deal with very unusual circumstances. It was truly best experience I ever had with a lender and highly recommend Frank and Guild Mortgage for any investor buying a small multi-family and using a conventional loan. 5 star service and best rates in town. Thank you, Frank!
J
As first time home buyers, we used Guild Mortgage as our finance company and were so fortunate to be able to have Rosy as our loan officer. I cannot thank Rosy enough for such an incredible, and stress-free experience. Rosy makes you feel so comfortable in the process to be able to ask any questions you may have, and always willing to help! She was always just a call away and always helped with a smile on her face. Rosy was very responsive and always kept me informed of the loan process. We loved working with Rosy and Guild Mortgage for our first home and are so thankful for the experience!
e
My loan officer was Donna Patterson, and she was absolutely phenomenal. This was my first time buying a home. Donna was so patient in answering my many questions, she educated me on the loan process and my options, she was super communicative while we were under contract. And, when my real estate agent was out of town for closing, Donna came to the title company in person to be at the closing table with me. I am so, so grateful and honored to have worked with her. She is amazing at her job, and she's a very kind person. Would gladly work with Donna again on any sort of home financing if it's ever something I seek to do again. So glad that I'll have her to call on and work with over the lifetime of my current loan!
N
Frank just redefined my expectations of what a good Loan Officer is. Hands down this was the best experience with a Loan Officer I've had and I do look forward working on more deals with him as I'm sure he's going to do great work once again. He was always available to help me out with any questions I had about the process and explaining its details. He also proactively called me multiple times to let me know about what was going on and clarify my options. Go with Frank and I am sure you will not regret!
L
It was a great joy to have Kelly Price help us through this process. As first time home buyers we were nervous. She helped us get over that . Kelly kept us informed with all aspects of this process. Any questions we had were answered promptly. We are beyond pleased with how Kelly helped us achieve our dream. Thank you Kelly and the ladies at Guild.
J
Marlene Paquette and her team at Guild Mortgage were very pleasant to work with and got the job done quickly. Always a smooth process and communicating all along the way which is important to me and my clients. Highly recommend them.
N
Eric Riley offers superb customer Services. Communicates well with all parties involved. His industry knowledge and expertise is demonstrated by his resourcefulness, thoroughness and expeditious manner in which he answers ALL questions of the loan process. I feel fortunate to have had Eric process my home loan; I recommend him without reservations.
T
Anna and Renee were amazing, communicative and just so easy and pleasant to deal with. We are so grateful to Anna and Renee for helping us achieve our small town home dream. Their attention to detail and consistent availability to answer our questions was way beyond what we expected. Thank you so much!!!
N
My wife and I worked with Cara Hawkins when applying for a loan through Guild Mortgage Company. Cara has a vast amount of knowledge in her field; she understands the the loan process (to include the VA loan process) extremely well. Cara simplified an otherwise daunting task for my wife and I. Cara understands how to communicate with her clients as well as empathize with them. Cara's patience is amiable; she was able to recognizing that which would pose as an unknown to us (clients new to this process) and explain it so that we may fully grasp the concept. Thank you Cara.
L
Debbie and her team were EXCELLENT to work with through out my entire homebuying process. This is my second loan using Debbie's team and I am so thankful for their commitment to making sure I understand all of my options and encouraging me to make the best choice for myself. Debbie provided me the best loan option to purchase a home in an extremely competitive market and I am loving my new home. Debbie is definitely my lender for life!!
C
I don't think anyone else in the world would have been able to accomplish what Drake did for me and my fiancé. He was able to help us close on our loan when all of the odds were against us. He is communicative, trustworthy, and goes above and beyond for his clients. I highly recommend Drake to anyone looking to close on a home or condominium in the near future. Thanks again for all of your hard work!
A
Tina is FANTASTIC! She was very thorough with everything, and she even took time during the weekend to help us get everything finished up that we needed. She is always quick to respond to emails or texts with answers to any questions you might have. 10/10 would recommend! Thanks for everything!
L
Rebecca Hansen and her team were awesome to work with. Extremely patient in answering all of our questions, explaining things in a way that made the entire process easy to understand. We will definitely be using her in the future if we ever buy another new house!
A
I went through a few lenders while looking for a home and I always ran into an issue. So after working with James and the Guild Mortgage team it was very fast, easy, and with no complications. I was very pleased and surprised at how smoothly it went. I would highly recommend them to future home buyers!
s
Mario was great to work with. He was quick to respond, friendly, and took the time to breakdown information. I was a first time homebuyer and he helped make the process much more manageable. If I am in the market for buying a house again, I will be contacting him.
N
Kathy Volkman and her Team were Fantastic! Very professional, knowledgeable, and answered all of my questions during the loan process. Quick to respond back and never left me out of the loop!! I would highly recommend Kathy and her Team, and I would use them again in the future.
J
I highly recommend Justin and the team at guild mortgage! Very professional and knowledgeable, taking the time to explain the whole process. He was very considerate of my specific needs, protected my privacy, and always acted with integrity. Buying a home can be quite stressful, and it was wonderful to have a patient, trustworthy guide from start to finish.
B
Thanks to James' thorough explanation of process, and him not getting upset hearing we wanted to shop around, gave us the confidence that he was the right man to stick with. We really felt he cared about our personal needs and wants. He answered the phone even when he was home sick. James went above and beyond with our refinance and we are so thankful. -Brandon & Morgan
M
Akeyla was attentive, prompt and professional! The purchasing of our home was seamless from pre-approval to purchase in just thirty days! People tell stories of how stressful the home buying process is and we are thankful we can't relate to that at all! Buying this property was one of the best experiences we have shard as a couple!
W
Andy Cardina, I would like to take this opportunity to thank you for your exceptional professionalism, and due diligence during this entire home buying process. Despite the stressful process of home purchasing you ensure that we were kept informed, as well as took the time to ensure that we understand the entire process, and for this there is no price tag. My family, and I thank you so very much and most definitely will refer others to you in the near future. Thank you and God Bless.
M
Mike was amazing to work with as a first-time home buyer. After initially starting with a different lender and having a horrible experience, I wasn’t sure what to expect, but Mike was highly recommended to us. He was able to answer all questions and helped us get all the correct documentation so our loan could be processed quickly without issues. The process was far smoother than I ever could have imagined, and I’m so grateful we got to work with Mike.
R
I would definitely recommend Guild Mortgage. They are caring and understand how stressful it can be and are there even after hours to answer your questions. Thank you to Carlos Ramos and his team for making my dream come true
C
Ken and Guild Mortgage were a blessing to have during the home buying process. I never felt like I was being taken advantage of and I was kept in the loop during the entire process. My loan officer worked very hard to make sure things went smoothly and I HIGHLY recommend this company for your mortgage!!
K
If I could give Mr. Beahm a 5+ rating, I would not think about it twice! Being a first-time investor in real estate and trying to navigate this competitive market would not have been possible without him. Due to the nature of our purchase, we did not have a real estate agent. However, Mr. Beahm went beyond his role and became our advisor throughout the whole process. His natural nature for professionalism and efficient business practices was appreciated, as we could not have made this purchase without him. I highly recommend Mr. Beahm to anyone looking for a professional, knowledgable, communicative, and attentive lender. There is no doubt we will continue to do business with him as he is a treasured part of our real estate team. Sincerely, Kimberly C
A
Phillip Becraft provided the best possible experience when refinancing my home. I couldn’t have been any happier. He gave me peace of mind knowing that what needed to be done was being taken care of. His weekly updates made me feel at ease knowing what to expect next. He is an excellent communicator and so knowledgeable. I highly recommend him to anyone looking to buy or refinance!
S
It has been an absolute pleasure working with Crystal! No matter the time, she was always quick to respond and very helpful! I highly recommend her if you are in the market for a mortgage!
J
We've always used our Bank for Mortgages and their process proved to be long and burdensome. Donny @ Guild Mortgage provided excellent service and made the process to purchase simple and easy.
J
Minde, Jac, Fara, Alyse and everyone else at Guild Mortgage made this a super easy transaction. They answered all of our questions and got things done in a timely manner. So happy we were referred to them. Thank you all so much!
D
Ross was extremely helpful and easy to work with. They made me feel comfortable with the refinancing process, explaining every step of the way. I trust his expertise and judgment, and will refer anyone looking for mortgage assistance to contact Guild Mortgage Company.
b
Mike Martinez is awesome , I was very nervous at the beginning of this and he took the time to make sure I understood everything and everything was to my liking. He is very professional and helped me with my every need and made this as easy for me as possible. Thankyou Mike Martinez
C
Alycia Hoglin and her team at Guild are awesome. She went above and beyond for me. They are prompt, give you lots of realistic options that work for you, answer all of your questions and most of all just honestly want the best for you by trying to meet your needs. A huge Thank You! I highly reccommend!
K
Do NOT use GUILD for your mortgage. I used to like Guild. Have had 3 mortgages with them. No longer. We auto pay our loan through our bank every month on the 10th of the month. Our loan states payments do not incur a late fee until the 15th. Guild's servicing has started calling multiple times a day starting on the 8th. I'll be telling everyone I know and every Real Estate agent I meet to steer their clients away from Guild.
M
Justin & his team did an amazing job to get us closed on our dream home. They were incredibly knowledgeable & friendly.
O
My first homebuyer experience was great ! Kellie and her team was very understanding, helpful, and very professional. I couldn't have asked for a better experience !
D
Christopher made it easy with a simple process that we could trust and understand. Direct and very knowledgeable, we will refer his service to any of our friends.
K
Nora is amazing! She answered all of our questions quickly and accurately, and was very forthcoming with information that was needed. Even when things got stressful, she was there to help us and made that very clear.
D
Sergio was professional, efficient & informative throughout the entire application & closing process. I highly recommend Sergio & Guild Mortgage.
L
Ross Barrett was extremely helpful through the entire buying process! He was always there to make sure we understood everything that was happening. We were first time home buyers and are grateful we had someone so helpful by our side. He made sure we got what worked best for us and made sure he kept us updated at all times. I highly recommend Ross at Guild Mortgage!
R
The Guild Mortgage team, led by Major Whisnant, provided me an exceptionally pleasant and productive experience. They were very knowledgeable, extremely responsive and always courteous as well as professional. I felt that they genuinely cared about me and the experience I was having during the loan process. As a result, I was always kept informed of where things stood, and any question I had was addressed promptly and completely. I cannot praise them highly enough for the sterling job they did.
J
Leslie and Donnie were amazing. My partner and I had so much confidence due to the constant follow up and status updates that came throughout the entire process. From start to finish, we did not have any surprises! The team communicated clearly, laid out real OPTIONS for us throughout the process (product, buy downs etc). My partner and I never had to wonder "what is happening with our mortgage?" at any point in buying our first house. I cannot thank this team enough for making this happen!
M
As a first time home buyer we were blessed to work with Lynette at guild mortgage. She made this experience as stress free as possible for us. She was absolutely amazing very informative and helpful. She well exceeded my expectations. We will definitely use them again in the future and will share their information with our family and friends. Truly thankful for all the hard work and being by our side every step of the way.
M
We have purchased several homes and have never been more impressed with Guild Mortgage and our local team! It was a new experience for us, buying virtually, but we never felt alone. Communication from our team was excellent and the ease of dealing with a stressful time was made easier for us by our team. Highly recommend using Guild Mortgage.
J
Lauren and her team were great! Made the process easy and were helpful every step of the way. Highly recommend. Thank you for helping us close on our dream home!
K
Michael made my home buying experience as easy as possible. I went into the process thinking that the mortgage financing was going to be extremely difficult and almost impossible. Michael and his team took care of everything and answered any questions I had promptly. There was never a break down in communication throughout the entire process which was amazing.
R
Outstanding team of professionals. Would definitely do business with Guild again. The team exceeded my expectations. Timing of our two loans was critical and the two teams were coordinated and in sync the entire time, ensuring a seamless closing. I will definitely do business with Rhonda and Emily again, they’re both amazing. Thank you for making a stressful process seem so easy.
M
Wendy and her team are absolutely amazing! They have always worked really hard in our loan process. We have used them to purchase two homes and also to refinance. They are always willing to answer any questions and go above and beyond to make sure your home buying process is as smooth as possible!
F
A big thank you to Lupe ! She was always there to answer every question I had. My house loan went smooth and quick ! I really appreciate all the hard work she does ! Thanks again !!
J
Thank you Tanya for helping me through the process of buying my first home. I highly recommend her, she made the process easy to understand and was there every step of the way and answered all my questions and concerns. 10/10!!
C
Tina Norman was very helpful and did a great job of making sure the entire process went well.
L
Our loan officer Andrew was amazing! He was thorough, organized, knowledgeable, available at any time for questions and we felt that he was truly invested in the success of our home purchasing journey. He broke everything down step by step and explained all the numbers in ways I could understand without feeling overwhelmed. He worked closely with my realtor to make the process even smoother for me. If you are looking for a mortgage, Andrew is your guy!
A
Donnie, Trevor, and Ben are all a class act. This is our third transaction with Guild and don't even shop with anyone else after our first experience. Thank you to Donnie and the Guild Team in Vancouver. We look forward to many years of choosing your services! Kindly, James Feddema and Amber Aldridge
K
My Husband and I recently closed on our home and we are so happy! Buying a home can be exciting but super stressful. I can honestly say that Kendall Aschoff and everyone on his team was amazing super professional and very helpful. I work in real estate and one of the biggest complaints I hear from clients is that they can't get a hold of their lender. Well that is not the case with Guild Mortgage. Anytime I had a question or concern big or small I always got a call back or an email and that goes for everyone. We always knew what status are loan was in. Loved the video's that Amber Coleman sent along the way too! Thanks Again!!!!
J
Jamey was great! Helped us and provided amazing feedback to get the best odds in getting us a loan. We did the work and are officially homeowner! Thank you Guild mortgage and team for helping us make this a easy and smooth process.
T
This was my first time buying a house. Working with Anna Bittle was great, and she answered any and all questions I had and continued to update me on the process. Great experience working with Anna, and I will definitely recommend Guild Mortgage to anyone buying a house!!
A
The team at Carson Vaughn's office was very helpful (Luke Martz and Anneliese Rosales) during my refinance of my mortgage. They made everything easy and set expectations upfront so there were no surprises. They keep me updated every step of the way and was awesome! We closed without any hiccups and the process was very smooth. Would definitely recommend them for any help with buying a home or financing of a mortgage!
M
A huge Thank You to Kelly and her team. Kelly is extremely professional. Fast to respond from beginning to the closing. Always good and timely advice and reminders. Always easy to talk to and great to work with. I feel I'm so lucky to have her guide me through the whole process of buying my first home. Without her it wouldn't be so fast and smooth!
A
Patrick and his team were amazing! I started out working with Eric and had the chance the work with several other members of the team as well! They were great at laying out my options and what would work best for me. Everyone was so responsive and went the extra mile to answer any questions so I could make quick decisions. Would definitely recommend anyone to work with them and I will be in the future.
M
Cherie Smith was amazing to work with. We had many questions on the process of buying our first home and she answered every single one. My family is happy we finally found a home to call ours thanks to her. I highly recommend Cherie Smith at Guild Mortgage Company.
D
Darci Fitzke and her team at Guild Mortgage made the process of buying my first house extremely easy and straight forward. They went above and beyond to make sure that I could close on my house in the time period that I was interested in. Brennan Layne was my main point of contact (other than Darci) and made sure that I understood all of the steps of the mortgage process, and was easy to reach via email, phone/text. He made sure that communication was clear and efficient.
J
Very knowledgeable and courteous staff. The entire process was quick and accurate. I am very pleased with the way Guild handled my refi.
C
Aimee is absolutely the best loan officer we have ever worked with. She is terrific at clearly communicating the process, what is needed (and why.) She stays top of things and checks in along the way. Her staff are also amazing. We would definitely recommend Aimee to anyone looking to finance a home!
T
Guild Mortgage was a great experience for us. We had not bought a house in 10 years and felt like everything was explained in great detail from start to finish. Response were prompt and thorough every time. Would highly recommend Guild Mortgage!!
M
Patrick and his team were professional, communicative and went the extra mile for me when I purchased my first home in Avon CO. I was a bit nervous being a first-time buyer but Patrick and his team were always a phone call or text away and responded immediately. We had a fast close (30 days) in a high-stress housing marketing - they were able to get things moving so we were ahead of our deadlines which helped me to feel confident in the team and process. Very impressed. HIGHLY RECOMMEND.
M
David Omerod was great, he was very informative through the whole process. David advised of all documentation needed, what to expect, time lines, and was available for any questions. We closed about a week earlier than expected. I would recommend David and Guild Mortgage to friends and family.
K
We had a fantastic experience working with Michael Weitzel for purchasing our home. From the first conversation, he has been an extremely valuable source of information and was able to answer every single one of our questions (even our questions that were not really coherent). If he didn't know something, he went and found out the answer for us and promptly let us know. He became a trusted source of information for us and went above and beyond when it came to successfully navigating us through the mortgage process. He was a pleasure to work with and would highly recommend him to anyone needing a mortgage.
T
Guild Mortgage, with people like George Pedro and Debbie Parziale, did an incredible job making the process of applying for a loan and purchasing a home for the first time much smoother than expected. I’d recommend this company to anyone looking to go forward with this process. They’re very transparent, extremely prompt, and keep you at ease the entire way.
D
Delia was awesome! This is the smoothest real estate transaction in which I have been involved and I have been through a lot of them in 40 years!
J
Spencer and his team were AMAZING!! They made the home buying process so easy and stress free! I would HIGHLY recommend them to all my friends and family looking at buying a new home!! 5 stars isn’t enough!!! ⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
J
Our experience working with Paul Thompson was great all around. He was attentive from day one and very responsive. Paul was always helpful and never condescending when we asked silly/obvious questions. As first time home buyers, we needed the comfort of experience and expertise and we got that and more from Paul. He always made sure we were clear on what was required of us and what was a realistic price range. I’m so glad our realtor recommended him. We would have been lost without Paul, he truly went above and beyond all expectations. Highly recommend Paul Thompson and Guild Mortgage if you are looking to purchase a new home!
P
Guild Mortgage handled my home loan with the utmost professionalism! Mark Widdicombe, and his wonderful team, guided me through each phase of the process intelligently and ethically. I was ALWAYS kept informed as the process progressed, making my new home purchase a comfortable and pleasant experience. I highly recommend Guild if you are planning to finance a new home.
M
Best mortgage company around. Professional, knowledgeable and wonderful people that treat clients with the outmost regard and respect. I called 4 different companies at the very beginning of my process for a conversation with a real human being and Jac Harper was the only one to take time to actually have a conversation with me and offered wisdom and guidance from the start. Everyone else either called me back 3 days later after me leaving a voicemail or just wanted to selfishly pull my credit score immediately (One even did it without my express consent). Save yourself some time and stress and just start here.
K
Phil Davis and his team did an outstanding job on our mortgage. I highly recommend his team for all mortgage needs.
K
Paul Thompson and Guild Mortgage are at the top of their field. Paul helped us breeze through what we expected would be a difficult loan process for a USDA loan. No surprises.. a quick and easy process. Our highest praise and thanks to Paul and Guild Mortgage.
J
As stated before John is the reason my father & I are with Guild. John knows his stuff and makes the process easier. We will continue using Guild.
C
It was great working with Ross Barrett and his team. They helped me in every step of the way to make my loan process smoother then I expected. Withered were a few bumps in the road with the selling side of things, and they made sure my closing didn't get pushed out. I will definitely recommend them to anyone I know looking for a lender. Thank you Ross, and Guild Mortgage for making my first home buying experience a success!
W
Ashley was able to do in 4-5 weeks what our previous lender had already taken over 4 months to not accomplish. She came highly recommended by a coworker and we could not be more happy with her and Guild. Thank you for being professional, yet so easy to work with :)
S
I cannot say enough good things about my experience working with Katherine. I am a first time home buyer and she made sure my husband and I were comfortable, had an understanding of the varieties of loans, and knew what to expect from the process. We had a few hiccups along the way (not on Guild Mortgages end) and she really went to bat for us. I know we wouldn’t have had the outcome we’ve had if it wasn’t for her and her teams dedication. We also owe a special Thank You to her team member Phoebe, who made this a heck of a lot easier. Guild Mortgage is lucky to have them in their ranks. I highly recommend them and look forward to an opportunity to work with them in the future.
R
Good Mortgage company, our loan officer was (Stacy) just bought my first home and the team was always professional, organized, and responsive. There was a couple hurdles along the way but everything was resolved and turned out good! Happy with the outcome. Also from the time we found the right home everything was done and ready to close in less than a month they worked fast and efficient.
C
We have used Guild for multiple home purchases and refinances. Each time we use them we are in shock at how easy the process is, the great communication from Chantry and his team, and the timeliness to get our loan closed. I would highly recommend working with Guild Mortgage for all of your loan and refinancing needs! Our most recent loan closed two weeks ahead of schedule!
S
Being a young, first time home buyer, the Ashley Meyer Team was so helpful in guiding me through the process. I had so much anxiety coming in, but with all the help and explanations they gave me, it felt so natural!
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FAQs
1. How to Get in Touch Wtth Guild Mortgage Company?
You can make them a phone call through this phone number +1 800-283-8823. Or you can go to their website and fill in the request form online.3. How Can I Secure a Loan at Guild Mortgage Company?
You can go to their website and fill in the request form online. If you are looking for payday advance loans, you can come to our website for more details.5. What Happens if I Can Not Repay My Loan?
You can communicate with your lender if you are struggling with the monthly payments. Different lenders have different solutions to late payment. It is advisable to read carefully before signing the loan agreement.
2. Where Is Guild Mortgage Company? How Can I Find It?
Guild Mortgage Company is located at 5887 Copley Drive Floors 1, 3, 4, 5, And 6, San Diego, CA 92111, United States. You may simply check the map and locate the easiest way to access it.4. Is Guild Mortgage Company an Agency or a Lender?
Guild Mortgage Company is a Mortgage lender. To make things easier, iPaydayLoans can link you with a large network of trusted lenders over the internet. You can check out our platform to get a fast personal loan with no credit check.6. Does Guild Mortgage Company Offer Bad Credit Loans?
Yes, but if you want to higher your chances of getting a bad credit loan, iPaydayLoans is here to help! Just turn to our online service to get an online installment loan even with your low credit scores.