With our first home, we used Guild Mortgage at the recommendation of our real estate agent. They did an excellent job, and our agent was extremely helpful. When we moved again, we were eager to use them again. But the second time, they did very poorly. Both we and our real estate agent asked about specific paperwork and checks that needed to be done. Guild told us we didn't need them, then came back later and said we did, which delayed our closing and when we could move into the house.