Don't go to Guild Mortgage. This is a bait and switch shop. This is why all of their offices are closing. These are not good lenders. Jamie Hodge and Jeffery Dynak at Guild severely screwed me over.i had a 750+ credit rating at the time of purchasing my home. Jeff advised the lowest he could go on the interest rate was 5.5 then when threatened to leave it dropped to 5.0. He also advised i was qualified for the MCU program to assist with Taxes and the 321 program which assists with closing. I received non (Bait and switch last minute). When i searched for a new lender Jeffery actually yelled at me and called furious. He then went on to malign his competitors and lied to me stating they would do so and so. being new to the purchasing game as well as falsely trusting the Guild brand. I am no the proud owner of a 5.0 interest rate when it could have been 4.2. I am now in the process of refinancing so i can get a better deal. I have to spend 2k to undo the damage and false claims of Jeffery Dynak at Guild Mortgage. Do not go to these folks. There is a reason all their offices are closing. They have no ethics. how do i give negative stars?