Consumer complaint received 2025-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Guild Holdings Company
State: OR

Complaint narrative:
I would really like to be on the same page with you regarding my situation and the numerous errors and violations that have occurred during my most recent stint as a homeowner. If you want to continue to play idle and see how things unfold I respect that position.

Here is what I can tell you. I re wrote this entire email after I realized one thing about you and what your service to veterans is. Your business is ensuring the loans get paid. You could personally careless if veterans stay in their homes or become homeless. It's not your job or there is another department for that. I figured that out the first day I reached out about my home having mold and roof leaks yet passing the va appraisal ( which requires them to go into the attic and inspect... if they would have then the mold issue would have prevented the sale of this home and stopped the long term ( financial, emotional, and now medically documented health ) suffering we have all endured here due to essentially that one VA oversight. ) I am asking you to ensure transparency and accountability of Guild mortgage company and to ensure a fair review and that the cfpb complaint is fully resolved.

The following are my requests for simple resolution.

1. A comprehensive analysis of my home and why it was allowed to be financed to include : -how my home passed VA appraisal to include the name of the appraiser and the checklist that was used to evaluate my home- Why the inspection was not reviewed as there were numerous red flags in it as well. I have a secondary partial inspection done and it was quite different than the original.

-comprehensive retraining of all parties involved in this process from the appraiser to the certificate of approval to ensure this never happens to another veteran again. 
-a review of all veteran home loans in XXXX XXXX Oregon tomprotect both the financial interests of the veterans involved and the vested interests of he VA home loan guarantee program -establishing of secondary programs for homeowners who have lost their mortgages but need transitional assistance to their next home either rental or purchasing. The reason is simple. It'll veterans knew they would have transitional assistance at the ready as opposed to try to find anything it would make doing a short sale or foreclosure a lot less intimidating as no parent would ever sacrifice the roof over their head for the appeasement of a bloodthirsty bank and a biased docile oversight program such as the VA home loan guarantee program.

And finally A loan modification. Same interest rate. XXXX loan and any back due mortgage payments are forgiven. New payment is XXXX a month with taxes. Guild mortgage pays taxes for this year on my property. Credit report updated to only positive remarks within 30 days. Facilitation of getting the next loan. Purging of all 3rd party records regarding Guild mortgage and myself. An interest freeze on my loan meaning that no interest can be accrued for 365 days. This amount is also written off by Guild. Payments will begin 1 XXXX for XXXX until my sale of then home. The VA loan guarantee program then wipes my record clean of all loans in the past regardless of repayment circumstances. I am permitted to stay in my home until I do not follow through with my XXXX payments at which time I will willingly and complianty turnover possession to Guild in order to facilitate recovery of its investment.

These are the terms I will agree to so that I don't have to go through the hassle of finding and attorney and doing a full blown lawsuit. These are non negotiable. 

I would appreciate any assistance you can offer withing your sphere of influence. 

If you want to continue with silence I can certainly appreciate the whole not my circus... not my monkeys approach. 

However that approach is what has led me to this email. I have spent my entire life fighting for the truth the come to light and for justice and accountability to be the final outcomes. So will be continuing to.work against me or would you rather be a part of the solution. My congressional inquiry has already begun and I would much rather have a point of contact in your department I can trust. Is it you? 

XXXX XXXX

Company response to consumer: Closed with explanation