Guild Mortgage Company

Dear Ms. [redacted]:Your June 12, 2015 correspondence with the Revdex.com, Inc. (Revdex.com) regarding your experience with Guild Mortgage Company (“Guild”) has been forwarded to our attention. Thank you for the opportunity to review and address your concerns.It appears that your concerns...

regarding paperwork and loan application assistance have since been resolved. Our records show that as of July 6, 2015, a Guild loan officer is assisting you with your loan application and paperwork. If you believe that your issues are not resolved, or if you would like Guild to look further into your concerns, please do not hesitate to contact us via phone at [redacted]. If you prefer to contact us in writing, please mail your request to Guild Mortgage Company, c/o Quality Assurance Department – Borrower Escalations, [redacted].Thank you,Guild Mortgage CompanyCompliance Department

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I have text messages from [redacted] telling me to go ahead and put in my notice to my landlord since obviously the word of my fiance and I are not good enough for you (yes I kept all of them). We also did not tell her that we could not cover closing costs. We just wanted it lowered because she had told us that it would be $0. We had the money, but did not feel that we should have to cover it all as this was yet another mistake on her part in telling us we had a lender credit that would cover it all and then a week before closing telling us that we had to pay $3,800. She then decided the best way to handle it would be to increase the purchase price. Had we known that it would have caused additional problems we would have paid it out of pocket and even told her that and she said "I wish I would have know that", suggesting that would have gotten us approved. Now she is making up even more stuff such as he did not provide proof of full-time employment which he did. He has been employed full-time at his new place of employment since last September and we showed all of the paystubs to prove it. Additionally, I have the email that was sent to the sellers listing agent at the SAME TIME that it was sent to me and my real estate agent on 2/24/16 stating that I was denied and the reasons why I was denied. There had been no contact before this on the matter of the denial. We did not meet until after the email had been sent out after I got off work that day. This was the first we had heard of it as both my fiance and I were at work and we had not given permission to release the information. It was a mass email sent to us stating that we were denied earlier in the day while we were at work and attached was the [redacted] document that listed the reasons why we were denied and it was sent not only to us but my agent, the sellers listing agent and even other people in Guild Mortgage were copied on it (including [redacted] the Branch Manager). This was how we found out we were denied and my fiance text me to let me know and I called [redacted] to find out what was going on because our real estate agent had talked to [redacted] and she had told her that she had just spoke with underwriting and we were approved and she would be sending the approval letter over in 5 minutes. Then our agent found out from the sellers listing agent that we were denied. He had been on the phone with [redacted] and had found out before we had. I have the emails to prove it since your company wants to call me a liar and [redacted] wants to lie about it to cover herself (if you would have reviewed the documents attached to the complaint you would have seen this). I HAVE THE EMAIL THAT WAS SENT FROM [redacted] TO ([redacted]); [redacted]); [redacted]); [redacted]); [redacted]); [redacted]) ) THAT INFORMED US THAT WE WERE DENIED AND ATTACHED WAS THE DENIAL LETTER WITH REASONS OF DENIAL LISTED!!! I HAVE ATTACHED IT AGAIN SINCE YOU INSIST ON CALLING ME A LIAR. We kept everything!!! IT IS BLACK AND WHITE, IN YOUR FACE, IRREFUTABLE EVIDENCE THAT [redacted] IS A LIAR!!! We will print out all the text messages also and give them to you showing where she told us for the SECOND time (after telling us in her office) to go ahead and put in our notice. We asked again before we did it to make sure because my fiance told her we had 3 children and did not want to be homeless if something went wrong and she assured us we were approved and all was good. I have never been treated so horrific before. Not only was my information given away without my consent, but now you want to lie and try to cover it up and call us a liar when I have actual documentation to prove otherwise. This is absolutely unbelievable. It is just one big cover up on all of your companies part now and we are not letting this go. We have documentation (emails and text messages) to prove our story and that [redacted] is a liar so be prepared because we are going to get a lawyer now. We gave you the opportunity to fix this.
Regards,
[redacted]

This company has horrible customer service. They continually lie to you and refuse to follow through with account updates. It has been three weeks, 4 phone calls, and 3 voicemail messages and they have never called me back or and still have not corrected my name on the account. For the past year we have paid more than the amount due and were notified that our mortgage insurance was going up! So now the company gets the amount paid over instead of it going toward our principal. This company advertised itself as being family friendly, the neighborhood Mortgage company. This was another lie My family's primary focus is paying extra, paying on time, and getting out of the Guild Mortage loan. So far of the payments we've made we've averaged less than $300 towards principal which is heartbreaking. We were first time home buyers with little credit and no banks would work with us so we were forced to go FHA. Even though we had THOUSANDS of dollars saved up that we had statements proving we worked hard for it. We pay an extra 132.63/month towards principle and still have only paid 2,737.37 towards principle ytd. Thats a lousy 141.11/month of our 817.37 payment going towards the actual value of our house. Now it will be less than that due to the insurance going up! It's no wonder so many people in our generation cannot afford a house.
Once this company has you, they treat you like crap, and say anything to get you off the phone, including just leaving you on hold for more than an hour, continually clicking in to see if you are still there.
How dare you e-mail me offering to refi saving $700 a year for closing costs. You repeat twice there is NO cost to you. Yet you say clearly there are closing costs roughly the amount of our $817 payment. So it will take me almost a year to make actual progress again.
The only time we will be refinancing is with another company who has respect for a hard working young couple and is actually going to SAVE us money NOW. Not try and con us into prolonging our loan so that you can squeeze even more money out of our accounts. Your company doesn't need more money from us they are already taking over 46% of our payment for interest and the FHA went from 15.6% to 36.0% once they saw we could pay more than the minimum, they figured away to put that into their own pocket. So Guild Mortgage enjoy it while you can because eventually your tyranny will end and your wealth will diminish. I'm sick of big businesses PUNISHING the middle class.

Dear [redacted] and [redacted]:
This letter is in response to your e-mail received by our office on July 18, 2016 that was submitted through the Revdex.com. Thank you for the opportunity to review and address your concerns.
In your correspondence you stated that your Guild Mortgage loan officer failed to advise you of the cap amount for FHA loans and to complete the HUD approved housing counseling required by the program, You also expressed concern that your loan was confused with another loan file, and you were sent another customer's loan estimate. You stated you lost the home you intended to purchase due to delays.
On 09/11/2015, you were prequalified for a loan amount of $250,000. Subsequently, you emailed the loan officer on 10/25/2015 and informed her that due to various options the purchase price was now $295,000. The loan officer responded and apologized for the late response acknowledging your email and informed you that the FHA loan limit was $271,050 which would result in you contributing additional funds to complete the transaction (see attached email).
Following the review of both of your hardship explanation letters, it was determined during the period of 2011-2015, your income and credit failed to meet the guidelines of the aforementioned program. Specifically, during the years mentioned it was determined you never experienced a loss of employment. Although you stated you had a decline in your income during such time, you did not exhibit a loss of Household Income of twenty (20) percent or more for a period of at least six (6) months during that 5 year period, as required by the program.
The loan officer stated, prior to advising you to enroll in the HUD approved housing counseling, she wanted to ensure the program was a fit for you; therefore, she requested through emails and phone messages for you to provide the necessary documentation to establish eligibility (letter of hardship, tax returns and W2s) prior to suggesting you enroll in the HUD approve counseling program (see attached emails).
On 04/04/2016, to ensure no further delays in your approval process, the branch sales manager intervened and responded to your email. He requested that you provide your 2011, 2012, and 2015 federal tax returns to validate the drop in income you referred to in your hardship letter. You were also advised by him that although you were submitting the documentation, there was a possibility your loan could still be declined (see attached emails),
During this time, the branch sales manager received two email documents in the time span of a few minutes apart and inadvertently made the mistake of forwarding you the wrong document. However, he realized the mistake and immediately sent the correct document to you. We thank you for bringing this to our attention.
On 04/11/2016, the loan was reviewed by two underwriting managers and after reviewing the income and asset documentation, it was determined that there was excessive obligations in relation to income, insufficient funds to close the loan, and the recent short sale failed to meet the FHA Back to Work guidelines; as a result, the loan was denied.
Guild Mortgage takes your concerns seriously and apologizes for your experience falling below your expectations. We consider customer service to be a high priority at all times and we work hard to set and maintain rigorous standards to this end.
If you have any additional questions or concerns, please feel free to contact me directly at [redacted].
Sincerely,
[redacted]
Sr. Compliance Resolution Specialist
Guild Mortgage
Cc: Revdex.com

Avoid Guild. Spent two months trying to refinance my house when suddenly all communication was cut off. No responses to email or messages left with receptionist. On top of that, after dragging their feet past our initial 45 day rate lock, they increased our rate a full quarter percent with no prior warning or explanation. Felt like a bait and switch. In all likelihood it is the company that is overworking it's employees and understaffed, and not the individual broker, but I'd still suggest taking your business elsewhere.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.In response to the Guild representative, I would say that the information she provided was completely false. Just bogus. My husband was never on the home loan application. The applicants were my mother and myself. My mother has excellent credit and could have been on the loan by herself. Mr. [redacted] did not offer that option simply because he just refused to work with us. My credit was pulled prior to the 90 day expiration date. I have this documentation as well as the date of my original approval. None of which exceeded 90 days. Mr. [redacted] assured me that my credit would not be pulled again until the 90 day expiration date occurred. My credit was pulled again after on 30 days! Mr [redacted]'s competent assistant [redacted] advised me to go and have my credit pulled by multiple insurance companies for home insurance. These people screwed me over and played a lot of games with me and my mother. Also, after my complaint was filled, I received an email of my home inspection just a few days ago by another one of Mr. [redacted]s team members [redacted]. The date of the email was Thursday, October 13 , 2016 at 8:54 am. These people are complete is. Why was my mother not approved for the home loan? What was wrong with her credit?  My mothers tax return showed a six figured income. If they didn't want me to be on the loan than why didn't they just take me off and allow my mother only? You want to know why? Well its simple, it was because Guild Mortgage Company didn't want to work with us. Everyone needs to know this. It was unfair and unethical.
Regards,
[redacted]

Horrible communication, Never met any deadlines, always made promises that things would get done and they never did. They act like your loan is the very first one they have ever done and are just stumbling though it. They don't contact your realtor to let them know whats going on. There is always a new piece of information they need that they have failed to tell you that you need. Never again would I recommend them and an A+ rating they bought that rating cause there is no way they have achieved this honestly. Stay away from them at all cost.

Closing Loans and Opening Doors Since 1960
 
April 9,...

2014                                      ...⇄                                Via Federal Express
 
 
[redacted] & [redacted]
Vancouver, WA 98661
 
Re:
Guild Mortgage Company Application #[redacted]
Dear Mr. and Mrs. [redacted]:
Guild Mortgage Company (“Guild”) has been made aware of the concerns that you have communicated to the Revdex.com and the Consumer Protection Division of the Office of the Attorney General of the State of Washington in connection with the above referenced loan application.  We appreciate the opportunity to review and to respond to your concerns.
Following the review of your request, Guild agrees that more complete documentation concerning your prior short-sale should have been obtained earlier in the process.  Had this information been obtained at the outset it would have been immediately apparent that the FHA requirements for short-sale seasoning had not been met, and we would not have proceeded with obtaining an appraisal and property inspection.
Enclosed herewith please find a check in the amount of $899.00.  This represents the $500 appraisal fee and the $399 inspection fee paid by you during the course of the processing of the transaction.
If you should have any questions, please don’t hesitate to contact me at ###-###-####, or by email to [redacted]
Sincerely,
 
GUILD MORTGAGE COMPANY
 
[redacted]
SVP, Production Operations
cc:           [redacted]
                Revdex.com, Western Washington
                [redacted]
                [redacted]

Re: Complaint Submitted via e-mail Loan Number# [redacted]        Revdex.com (Revdex.com): Case ID # [redacted]     Dear Ms. [redacted]:This letter is in response to your correspondence received by Guild Mortgage Company (“Guild”) on October 20, 2016, which was submitted through the Revdex.com (Revdex.com). Thank you for the opportunity to review and address your concerns.Upon review of your correspondence to Guild, it was confirmed the co-borrower did not qualify for the loan independently, due to the existing conventional loan she has on her primary residence. Guild was unable to qualify the co-borrower for a Federal Housing Administration (FHA) loan because FHA guidelines will not allow for financing of a 2nd home. FHA guidelines relating to single-family loan programs are designed for owner-occupied loans. Additionally, the co-borrower’s credit score was below the lender’s minimum requirement for the loan. 
The credit was pulled an additional time as a result of the adverse items you were disputing. The loan processor requested to have the disputed items removed. Once the adverse items were removed, it became necessary to pull the credit again. Unfortunately, a new item surfaced which was not on the original credit report. Consequently, the FICO scores decreased due to the new adverse account and you no longer qualified for the loan.The loan representative considered various loan products, and determined there were no other loan programs available that were conducive to the co-borrower’s distinct circumstances. Guild regrets we were unable to assist you and we empathize with your situation. However, in the future, should your circumstances change, we would be more than willing to consider your loan application at that time.With respect to the email you received on 10/13/2016, the email contained a copy of the appraisal report in connection with the aforementioned loan transaction. The mortgage lender is required to provide you with a copy of the appraisal report and/or other written valuations that provide an estimate of the value of the property. There were no other emails sent.Again, thank you for bringing this matter to our attention, and please know, we take your concerns seriously. Sincerely,[redacted]Sr. Compliance Resolution SpecialistGuild MortgageCc: Revdex.com

On Monday, July 18, 2016 my title company and I submitted a payoff request for my closing date of Wednesday, July 20, 2016. Guild Mortgage informed us that it takes 72 hours to complete the payoff, which we accepted. It is now Saturday, July 23, 2016 and still no payoff. Every time I call Guild Mortgage they keep giving me the runaround, telling me that they already completed the payoff and sent it to the title company. The title company is telling me that Guild Mortgage told them on Friday, July 22, 2016 that they were still working on the payoff...however, the new owner has already moved into the home on the closing date, July 20, 2016 and apparently Guild Mortgage has already been paid. I am bewildered on what to do with Guild Mortgage; their communication is terrible and they are dragging their feet on my payoff. I now may have to seek council and file a report against them; beware of this company and their unprofessional attitude when there is payoff involved!

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Your response outlines that you have chosen to simply act upon the information your loan officer and their assistants gave you. This is unfortunate, as other customers will experience the same results my family has received due to no action being taken. Every conversation had with any member of your company's staff always ended in a summary of instruction. I always acknowledged exactly the tasks we needed to accomplish. In regard to my credit score, I repeatedly confirmed that I had no action I needed to take on my part to prepare for the down payment assistance program or closing. One loan officer's assistant, [redacted], repeatedly stated that I just needed to keep paying for things in the manner I was, and she could get the numbers "to work" on her side. I always offered to apply a large payment toward any part of my listed debts under Guild's guidance, in which the response was always "Do not do that, the numbers will be okay, and you may need that money toward another expense in closing."
More importantly, I was never told that our last attempt closing date was impossible. I repeatedly asked if there was anything impeding upon closing, and that I needed to schedule movers, pack our belongings, schedule address changes, and deal with insurances. Never was I told that closing will not happen. Never was I told I was not meeting my obligations. Two weeks before closing, I scheduled address changes and movers, bill changes, new service providers and utilities. Five days before closing is not sufficient notice to tell someone that "we found a problem" that they discovered several weeks before without telling me. Cancelling an appraisal without consulting the cost or action with me is uncouth. Not to mention, every closing date we had was pushed back or cancelled with a few days notice. Every time this happened, my family had less time to deal with the change and prepare.
As well, the costs that Guild Mortgage chose to absorb during the loan process are not my responsibility, and should not be held against me when requesting resolve of these issues. As I have repeatedly stated, I was ill-informed, treated poorly, and lost money and asset due to the poor decisions and misinformation from your loan officer and their team. I never claimed that because I chose to do something to lessen a burden for Guild Mortgage, that suddenly I should take that into account and act differently because of it. Every closing date extension was an additional financial burden on my family, so there is financial loss for Guild Mortgage and my family. However, I do believe that Guild Mortgage is the tortfeasor responsible for the $785 in question for compensation to rectify the disastrous outcome that Guild Mortgage strongly contributed toward.
Please take this into regard and re-evaluate your position.
Thank You,[redacted]

Re:         Complaint Submitted via e-mail Loan Number# [redacted]       ...

                         Revdex.com (Revdex.com): Case ID No. [redacted]           Dear Mr. [redacted]:   This letter is in response to your correspondence received by Guild Mortgage Company (“Guild”) on September 25, 2016, which was submitted through the Revdex.com (Revdex.com). Thank you for the opportunity to review and address your concerns.   Your correspondence indicates the service you received failed to meet your expectations and there was a lack of communication on the part of the loan officer. Additionally, you expressed concern that your closing date was postponed for several weeks, and you were not informed when changes were made to your loan or given the opportunity to address issues.   Your correspondence mentioned that there was a lack of communication on the part of the loan representative. Our records indicate the loan officer and loan officer assistant provided updates on the status of the loan and continued to communicate with you during the course of the loan, through telephone conversations, which were documented accordingly.   On 06/19/2016, the loan officer began communication with you. You informed him you had not executed a purchase contract and was still negotiating the purchase terms with the seller.  On 07/05/216, the loan officer sent you your initial disclosuresprior to receiving the purchase contract to ensure the loan transaction was handled in a timely manner. The loan officer was aware that the loan program was a Down Payment Assistance (DPA) loan, which required two appraisals since it was an “FHA Flip” and the seller had not owned the property for more than 180 days.   On 07/05/2016, you submitted a loan application. Your loan representative continued to communicate with you although he still had not received the purchase contract. On 07/12/2016, the purchase contract was received.  It was discovered at the time you submitted your application, your middle credit score was not high enough to obtain the Down Payment Assistance through the Southeast Texas Housing Program (SETH).       Your loan officer ran your credit to determine which debts were required to be paid down in order for your scores to rise above the minimum limit; therefore you could qualify for the 4% Down Payment Assistance. Based on your conversation with your loan officer, you preferred the 5% Down Payment Assistance and informed your loan officer you were willing to pay your debts down to achieve this. We certainly understand it can be confusing how credit scores are factored in during the mortgage loan process; thus, we empathize with your situation.   The loan officer assistant spoke with you on a weekly basis and made you aware of the issues with your credit and the qualifying ratios.  She explained in detail that not only were your credit scores a factor, your qualifying ratios were an issue as well since your credit card debt was rather high.  Additionally, she informed you the cost of your home owner insurance was particularly high on the property and it would be a challenge to get you approved.   When presented with the new information, you advised the loan officer you were unable to pay down your credit cards as previously agreed upon, due to unexpected expenses.  Your credit also revealed an additional adverse item. You refused to pay the item and maintained it was an error. Your loan officer then requested that you have the adverse item removed and advised you that it did not look favorably on your credit and would reduce the likelihood of you qualifying and obtaining the Down Payment Assistance.  You later informed him that you were unsuccessful in removing the adverse item.   On 08/01/2016, with your permission, your loan officer re-ran your credit to inquire whether the scores were high enough to qualify you for the 5% Down Payment Assistance. The loan officer immediately discovered the scores had decreased substantially, by 20 points.   Guild understands you were attempting to resolve your credit issues and decrease your debt, nonetheless, on a purchase transaction, timing may often present an issue.   With respect to the closing date, there were several factors that contributed to the closing date being postponed. First, there were credit related issues that had to be addressed. The appraisal came in below the estimated value; thus a second appraisal was required. In addition, you did not have adequate funds to cover your closing cost.   Therefore, in an effort to assist you, the loan officer did not charge you for the first appraisal, thus a portion of your funds could be allocated towards paying down your debts.  However, the loan officer was not willing to absorb the cost of the second appraisal. Subsequently, he became aware you did not pay down your debts, as previously agreed upon.   On 09/19/2016, it was determined you did not qualify based on your excessive obligations in relation to income and insufficient funds to close the loan. As a result, you did not qualify for the Down Payment Assistance program and your application was denied.    With regard to the $785.00 refund you are seeking, for the home inspection and the home inspection option fee, Guild is not liable to reimburse fees for services performed by third parties. The aforementioned fees were incurredin connection with the purchase agreement between the seller and the buyer, thus, Guild assumes no responsibility for reimbursements.   Thank you for bringing this matter to our attention, and please know, we take your concerns seriously. If you have additional information you would like us to review, please feel free to contact us via email at [redacted]@guildmortgage.net) or in writing.    Sincerely,   [redacted] Compliance Manager Guild Mortgage Cc: Revdex.com

August 11, 2016     [redacted]...

[redacted]   Re:         Complaint Submitted via e-mail Loan Number# [redacted]                                 Revdex.com: case # [redacted]                  Dear Mr. [redacted]:   This letter is in response to your correspondence received by Guild Mortgage Company (“Guild”) on August 4, 2016 which was submitted through the Revdex.com. Thank you for the opportunity to review and address your concerns.   Your correspondence relates to your dissatisfaction with the level of communicate provided by the loan officer during the loan process.   Guild considers customer service to be a high priority at all times, and we work hard to set and maintain rigorous customer service standards.  We regret that your experience did not meet our standards.  Thank you for bringing this to our attention.  We have taken necessary steps to address this issue with the branch. As a gesture of good faith, Guild is in the process of refunding the appraisal and inspection fee in the amount of $790.00.  This will reflect as a credit on the credit card that was initially charged.   Thank you for bringing this matter to our attention, and please know, we take your concerns seriously.     Sincerely,     [redacted] Vice President, Compliance & Legal Affairs Guild Mortgage Cc: Revdex.com

Dear [redacted],
Guild Mortgage Company (“Guild) has received your
correspondence dated January 2, 2014. 
Thank you for the opportunity to review and respond to your
concerns. 
Guild has been working...

diligently with the escrow agent and
Freedom Mortgage to ensure the correct tax amount is reflected for your
loan.  Per our last correspondence with
Freedom Mortgage, they are waiting for the city to complete a re-assessment of
the property, which should take place in February.  In the meantime, we will continue to follow-up
with all parties to ensure this matter is resolved timely.
I apologize for the inconvenience.   If you
have any questions, please feel free to contact me at [redacted].
 
Sincerely,
[redacted]
Vice President, Compliance & Legal Affairs

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[While words are good, I requested a refund of $246 because the delay and the slow processing of the loan request caused me additional hotel costs. This whole process is more about how long it took to get denial than just VA appraisal.]
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

We were brought into Guild and met with the sales manager Luke to purchase our first home. He seemed nice at first. After the initial consult we were handed off to his assistant team. Things just fell apart. They clearly have NO documented business processes or documentation checklists. It was constant excessive back and fourths. Then when it came time to sign the loan package it was different then what we agreed to. When we brought it up they pulled a bait and switch and said that they needed more time, more money, new terms and an entirely new loan! Worst communication ever, unethical lending practices and made our first experience a horrible one. I would never trust or do business with them again!

Re:         Complaint Submitted via e-mail Loan Number# [redacted]
sans-serif;">                                Revdex.com: case # [redacted]                Dear Mr. [redacted]:   This letter is in response to your correspondence received by Guild Mortgage Company (“Guild”) on August 09, 2016, 2016 which was submitted through the Revdex.com. Thank you for the opportunity to review and address your concerns. Your correspondence relates to your dissatisfaction with the delay you experienced with Guild transferring your VA appraisal to your new lender after you withdrew your loan application. Guild understands your frustration with the delays you experienced surrounding your appraisal; thus, we empathize with your situation. Based on our investigation, Guild confirmed that on 08/05/2016 your VA appraisal was ordered through the VA portal.  On 08/22/2016, the VA appraisal was received by Guild. On 08/30/2016 you requested that your loan application be withdrawn; therefore, your loan representative informed you that in order to transfer the VA appraisal to the new lender, the cost associated with your appraisal would need to be paid. 0n 09/01/2016, the following day, you returned the credit card authorization for payment, and immediately thereafter, the appraisal was released to the new lender. Thank you for bringing this matter to our attention, and please know, we take your concerns seriously. If you have additional information you would like us to review, please feel free to reach out to us via email ([redacted]) or in writing. Sincerely,   [redacted] Vice President, Compliance & Legal Affairs Guild Mortgage Cc: Revdex.com