I honestly wish I could leave less than one star. We were referred to this company by our real estate agent. So we figured they knew what they were doing. Sadly that was NOT to be the case. You see they have their own in house financing and that's great IF you don't have something else. They love to push FHA and that is because they make more money off of that than anything else. We have VA, and my husband is a Disabled Veteran. So his loan is a little different, like NO FEES and certain interest rates and... Well, Ms. Shannon and her underwriter didn't want to do that kind of work. Instead they did everything they could to bottle feed us an FHA loan. After speaking with an individual at the VA Home Loan guarantee office ( my husband has their direct number), we discovered: Guild Mortgage NEVER requested a C.O.E.; they never contacted the Guarentee people. They did NOTHING. All they wanted to do was force feed us an FHA loan and all of those great fees to the tune of $20,000. Heck they even had us paying all closing costs. NOPE, you want to sell me a house, those are your responsibility, NOT mine. So if you are in the market for a high rate, very expensive FHA Loan, these are your people. IF you qualify for anything else, find somewhere else to go. Oh yeah, their credit score system is subpar and doesn't have updated information. The stuff they pulled had been resolved and their report numbers were over 30 days old. And their inquiry dropped my score by 30 points. So stay away. I now get to wait another 30 to 60 days before I can see about getting a real home loan thanks to their screw ups.