Horrible experience. When I bought the house they had messed up the paperwork and I ended up having to sign the closing documents twice, which to everyone who knows, is a very tedious process of signing your name a thousand times and listening to every legal detail described in detail. They told me this had never happened and other than having to close on the house twice wasn't a huge deal the first go around. THEN COMES THE REFINANCE ATTEMPT. I was told I was locked into a 2.875 rate with closing cost at $3320. I was trying to refinance while rates were super low and wrongfully had faith with dealing with guild instead of many other companies I could have went with who promised to close twice as fast, but I stuck with who I knew. Well a month and a half later, longer then it would have taken to close with others, they send me a contract to sign at 3.25, not 2.875 they told me I was locked into, and closing at 4600. Then over 2 weeks past the 60 day closing time I was told it would take, they sent me another contract to sign which brought my closing cost up an additional 2600 dollars because they made another mistake on paperwork...familiar theme. I still don't understand how after signing contracts which should obligate both parties to abide by said agreement how they are able to say no pay me more than we already agreed upon or the deal is done. So now rates have gone upafter the 2.5 months it took them, and they lied and or messed up the process the entire way now i am stuck paying an additional 80,000 or so on interest that I shouldn't be. Go with another option cause this was a horrible 2.5 months that just set me up for 30 years of bitterness towards this company.