http://www.viewpoints.com/aboutme/Scampess Wed, 17 Jun 2009 18:58:16 GMT Reviews by Scampess http://www.viewpoints.com/Guild-Mortgage-Company-review-6cd90 <p>I opened a refi with them that was a much lower interest rate then my previous fixed mortgage also with Guild.  It was their version of Obama's "Hardship" mortgage.  When I looked over the Payoff Statement initially, there was about $6,000 in closing and points fees.  I gulped this down as I needed the monthly savings of $200 that bad and figured about $2500 was tax-deductible points. </p>&#13; <p>After 8 weeks, I still didn't have my approval and had to play email and phone tag trying to reach someone over there.  Forget your loan agent.  He drops you once he has you sign the initial application papers.  Finally, speaking with a "supervisor" the story now goes the interest rates are higher, my savings would only be about $100/month and my loan amount is $6,000 less so I need to come up with almost $7,500 out of pocket for the closing. </p>&#13; <p>That wasn't insulting enough, the underwriter just wrote and asked for a mountain of additional paperwork. </p>&#13; <p>Keep in mind, during this whole process, paperwork...</p>... Wed, 17 Jun 2009 18:58:16 GMT http://www.viewpoints.com/Guild-Mortgage-Company-review-6cd90 Scampess 1