Laura Wells, of Guild Mortgage strung us along on a wild ride down "screw you over financially" lane. Everything went fine for the first 30-60 days while working with her. After that she would continually ask is for more paperwork, every time we were asked for more paperwork I would ask her if there is anything else they needed or may need in the future so we would work on gathering the information to scan and send to her if needed. Each time there was either no response to the question or she would adamantly answer "no".
I even went as far as to ask her for a guarantee that our loan would be approved to which she stated: "If you mean can you rest easy at night because your loan will be approvedyes."
About a week later she tells us the underwriter pulled a new credit report and didnt like one of the co-applicants collection from her recently terminated apartment lease but they were giving us a "Two week" window to proceed as is. At this point we met with Laura to sign a bunch of disclosure paperwork, at NO point during this meeting was it ever stated or implied that there might be a problem. We were instructed to close credit cards and give notice at our current rental as we were assured out loan would be closing by the middle of the month (the 15th). We closed the suggested credit cards and gave notice to our land-lord.
The very following monday, I get an e-mail from Laura stating the underwriter just arbitrarily decided to use the new credit report and would now require us to come up with an additional $1700 on closing to pay for this "new debt" that our co-applicant is fighting against paying in court.
Laura's decision making skills are less than horrible and her customer service is non-existant. She gives horrible advice and has screwed a family of 6 financially so much that it will probably take us 5 years to get back to where we were 6 months ago.
Now the seller of the home we were trying to purchase is attempting to keep the ernest money we deposited to the title company.
DO NOT work with Laura Wells @ Guild Mortgage if you want to keep your financial stability.