Last Updated: 04/18/2025
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Highlights
Credit Score Range
N/A
Amount Range
Up to $3,000,000
Loan Term (Years)
10 - 30
Guild Mortgage Refinance Review
Guild Mortgage Refinance is offered by Guild Mortgage (NMLS #3274), a direct lender founded in 1960 and based in San Diego, CA. Guild Mortgage are available in 48 states and Washington, DC.
Key Takeaways
- Wide selection of mortgage programs offered. Guild Mortgage Refinance refinances FHA, FHA 203k, HomePath, USDA, VA, conforming, and conventional mortgages.
- Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
- Non-standard interest rates available. Guild Mortgage Refinance only offers hybrid mortgages.
- Primary and secondary homes considered. Guild Mortgage Refinance offers refinancing for both primary residences and vacation homes. Investment properties are not eligible.
- Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
Guild Mortgage Refinance Pros & Cons
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Guild Mortgage Refinance FAQ
What is the maximum loan term for a mortgage refinance via Guild Mortgage?
The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Guild Mortgage Refinance offers mortgage refinancing with terms ranging from 10 to 30 years.
How long does Guild Mortgage take to refinance?
Guild Mortgage does not provide details on the average time to close a refinance. However, it typically takes 30 to 45 days to complete a refinance. Of course, a lot depends on the market, the lender, and how long appraisals and inspections take.Does Guild Mortgage charge a mortgage origination fee?
Yes, Guild Mortgage Refinance will charge a loan origination fee .
What mortgage programs does Guild Mortgage offer?
Guild Mortgage Refinance offers the following mortgage types:
- Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
- FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
- FHA 203k: An FHA mortgage you can also use to finance home improvements.
- HomePath: Financing for the purchase and improvement of properties owned by Fannie Mae.
- USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
- VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.
What property usage types does Guild Mortgage allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Guild Mortgage Refinance allows the following property usage types:
- Primary home
- Secondary homes and vacation properties
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Contact
Headquarters
Hours of Operation
SundayClosedMonday8:00AM - 6:00PMTuesday8:00AM - 6:00PMWednesday8:00AM - 6:00PMThursday8:00AM - 6:00PMFriday8:00AM - 6:00PMSaturdayClosed
Other Services by Guild Mortgage
Home Mortgage Loans
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Guild Mortgage Refinance Community Reviews
Would you recommend Guild Mortgage Refinance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
Guild mortgage is one of the most friendly mortgage companies out there. They give sound advice and don't rush you into a mortgage loan if it isn't a good idea. I plan on using guild mortgage again in the future.
Nicholas P.
Nov 16, 2022
May or may not recommend
Guild mortgage is one of the most friendly mortgage companies out there. They give sound advice and don't rush you into a mortgage loan if it isn't a good idea. I plan on using guild mortgage again in the future.
Daniel E.
Apr 19, 2022
May or may not recommend
A very friendly experience, they made everything so easy for me. The FHA loan was explained to me in great detail and I realized that it was the right option for me.
YE
Yusuf E.
Dec 16, 2020
May or may not recommend
I had a wonderful experience working Guild Mortgage, the customer service was top notch, there was no discrimination as I was a black man, they were always ready to answer my unending qusstions in a timely and accurate way. They made everything so easy for me, the interest rate, fees, the number of years I was given to pay off and my terms of loan are exactly what I was ...Show More
Showing 4 of 4 reviews
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