Information Disclaimer: Not Your Loan Servicer (Read More)

**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. We are a homeowner advocacy group with more than a decade of helping homeowners and professionals with mortgage assistance negotiations. The information found on this page is for educational and convenience purposes only. The information found on this page should be considered as opinion and not fact based on our experience with lenders over 10+ years. Consult your mortgage servicer directly or a professional before using any of the information found on this site. If you are seeking an intermediary to assist you in getting help with your mortgage you may contact us at 888-934-3444 or via email at [email protected] for further review for a no fee, no obligation, consultation. If required you may be referred to a local professional or legal counsel for additional assistance with your mortgage. Please read through our Disclaimer page for additional details. We do not represent in any way any financial institution named on this page. If you feel that any of this information has become outdated or is incorrect please contact us immediately.**

Guild Mortgage Loan Modification

Get Help With Your Guild Loan Modification

Talk To A Specialist Who Knows How To Deal With A Guild Mortgage.

Get Help With Your Guild Loan Modification

Talk To A Specialist Who Knows How To Deal With A Guild Mortgage.
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Guild Mortgage Modification Process

The typical and conventional procedure is followed by Guild Mortgage for Guild Mortgage for the Loan Modification process:

  1. Phone Interview The triggering process of the loan modification process is the phone interview.
  2. Submit A Complete Package Guild Mortgage Request for Mortgage Assistance (RMA) Package of Paperwork will have to be completed and submitted also providing supporting documents and complete finances.
  3. Guild Broker’s Price Opinion A Property Valuation is Completed (If, Applicable) – Often this may also be done via an automated valuation model (AVM)
  4. Negotiations Terms of The Modification Review Are Processed, Negotiated and Sent To Underwriting
  5. Modification Response Servicer Provides A Response

The process looks simple but sadly that is never the case, we Absolute Consultant Group (ACG), are here to support homeowners through the process. Moving around in circles is very typical during Loan Modification process with Guild Mortgage. Having to submit the same documents over and over is frustating but typical. Getting transferred around the company from department to department having you run around from Guild Loan Modification Department (Loss Mitigation) to Guild‘s Customer Service Department is also quite normal. Submitting the wrong information on your application, getting denied, and not being able to figure out what happened is why coming to our staff can help you avoid a lot of heartache. Our staff is available to review your paperwork and to help you step with the best foot forward. Call us at 888-934-3444.

Guild’s Home Mortgage Loan Modification Timeline

There is a lot of bureaucracy involved in a company like Guild Mortgage. Guild Mortgage’s Loan Modification timelines vary often on factors look pretty straight forward but not always. Here are a few of the reasons this question has such sticky answers.

  • For one, Guild Mortgage is only a mortgage servicing company. They represent loan on the investor’s behalf. This limits the decision making capability of the company. As a mortgage note servicer they have to abide by their Pooling and Servicing Agreement (PSA). They have an agreement with each and every investor. The company is allowed to make decision in some cases by the investor and in the other cases they have to get permission from the investor first. Investors like Fannie Mae (FNMA) and Freddie Mac (FHLMC) often take the decision making authority into their own hands. In a heavily regulated business the more hands involved in each review the longer it takes leaving Guild Mortgage with their hands tied.
  • Another issue, Priority is a factor that effects the loan modification timeline greatly. Priority is mostly governed by when the application was received but it depends on other factors as well. The service works on a first come first serve model but if you have a foreclosure date then it will effect your priority. If you have a pending sale date then it is possible that your application will be reviewed sooner. You have to keep in mind though that servicers, such as Guild, have foreclosure dates for homes almost every day. Even a week from today is not worked as quickly as you might want because of foreclosures going to sale happen so often and in such a large volume. Remember this business is a first come first serve but it is also influenced by foreclosure status and proximity to the sale date.
  • Lastly, not all mortgage workouts were created equal. There are a large number of programs each with its different terms for how they would modify your loan. Typically, if the first modification type doesn’t work they will review you for the next one, and so on, until they find a mortgage solution that works. Departments due to this “waterfall” process are often very specialized so many times different representatives handle different parts of the review. An example of this is how Loan modification negotiators review only loan mods while short sale negotiators only review short pays (discounted payoffs).

Guild’s Home Mortgage Loan Modification Timeline Conclusion: While it would be nice to give our clients  a specific turn around time for their modification to be reviewed. The timelines will vary greatly from customer to customer. Whether the decision can be made by the servicer themselves or if they have to send it  out for the investors approval, whether you fit the first plan you are reviewed for or the 11th plan, along with factors outside the bank including but not limited to how fast they are able to get their property values back from valuation companies, how fast documents are received legibly on their end and much much more all effect how long it will take for your Guild Mortgage Loan Modifiication to be reviewed.

If Your Guild Mortgage Modification Has Been Denied. It May Not Be Too Late


Dealing With A Guild Mortgage Loan Modification Decline

Often dealing with a Guild Home Loan Modification Decline can be confusing. Understanding the details of all the plans and how that conflicts with your information is key. Here at ACG we have dozens of points we review in order to understand why your Guild Mortgage loan modification was rejected. Have us review your declined modifcation for free by calling us at 888-934-3444.

Additional Guild Mortgage Contact Information

Guild Customers

Guild Mortgage Complaints


Guild Mortgage Loan Modification Reviews

 Guild Mortgage Loan Modification Complaints

Guild is a large company and the rules are literally changing every day. There are a lot of departments and even more hands in the pot of each case that making it through the system can be a real drag. It doesn’t have to be though and that’s where we come in. Give us a call and see how we can help you with your loan modification. Call 888-934-3444.

Guild 1 Star Reviews

Guild 1 Star Review:

I recently sold my home and was able to pay off my mortgage with Guild. I have a large escrow refund check due to me and have been waiting over 4 weeks as of today. I’ve called their Customer Service four times and the service gets worse each time I call. Today, I asked to speak to a supervisor and the agent hung up on me. I work in customer service. Most of us would be fired for treating customers the way Guild’s Customer Service speaks and treats customers

Joan, Sacramento, CA

Guild 1 Star Review:

Looking to do a refinance I decided to use Guild Mortgage. The branch in Sacramento was asking for documents that had been sent July 8 and 9 2017 and they were now asking for the same documents again. Very incompetent branch manager. And when I question the request I was told that I was confused with another lender, then later he sent an email saying I was right and he was wrong with no apology. Just incompetent, awful.

Dave, Fairfield, CA

Don't Be A 1 Star Review


Don't Be A 1 Star Review


Beneficial 1 Star Review:

My realtor suggested I apply with this company as they supposedly do work with Home At Last. I took the course, got my Certificate, submitted scads of paperwork all online. That was October 10th. I heard NOTHING from them… However, they did contact my Realtor and said they weren’t able to help me because I was looking at Manufactured Homes. TEN DAYS LATER they ran a hard credit inquiry on me! Still I heard NOTHING from them. What was the purpose of the inquiry knowing they wouldn’t lend to me? They get ONE STAR from everyone because we can’t give them MINUS FIVE.

Tracy, Carson City, NV

1 Star Situations Happen Every Day


ACG 5 Star Reviews

ACG 5 Star Review:

Tried modifying my mortgage loan on my own, twice actually, but no luck. Until I called ACG. [I] got my loan mod approved and all is well.

Michael, Woodland Hills, CA

ACG 5 Star Review:

We were struggling trying to get assistance in keeping our home for over a year when I was introduced to ACG Today both my homes are modified and our family has a chance for a fresh start.

Patricia, Porter Ranch, CA

ACG 5 Star Review:

I have worked with [the] team personally and professionally referring them many clients over the past few years. If you need help with a loan modification, short sale, or want to avoid foreclosure I highly suggest you use Absolute Consultant Group!

Daniel, Santa Clarita, CA

You Can't Chance Being A 1 Star Review.

ACG Specialist Here To Help Your Guild Mortgage.

You Know You Can't Chance Being A 1 Star Review.

ACG Specialist Here To Help Your Guild Mortgage.

Guild Mortgage Loan Modification Mortgage News

Mr. Cooper (NationStar) Mortgage Foreclosure Process

**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. The information found on this page is for educational and convenience purposes only. The information...

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