Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Guild Holdings Company
State: UT

Complaint narrative:
Here is another run down of what I assume is going on and what the outcome should be. In XXXX we thought we bought a XXXX Manufactured home. The appraiser XXXX XXXX XXXX, XXXX XXXX with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Utah XXXX. Mislabeled the home as a Modular, his reasoning was, " The subject is a modular home. There were no tags or paperwork on the interior or exterior of the home to indicate the make, model or date the home was built. '' He also has a note that states " No adverse conditions exist that would detract from Marketability. '' Even though the XXXX stated it was a XXXX manufactured home, XXXX XXXX ( XXXX ) at XXXX XXXX, now known as Guild Mortgage. Mislabeled and pushed the loan through as modular. Even though XXXX XXXX, and XXXX XXXX has it on record as a XXXX Manufactured home. In XXXX I was able to refinance with XXXX XXXX with no issues because they carried the misleading name of Modular. In XXXX I tried to refinance again. XXXX XXXX ( XXXX ) with Guild Mortgage ( She no longer works there ) was having issues. She had the State of Utah come out and inspect the home and put a new vin number on it. She also had a structural engineer XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX ( XXXX ) came out and inspected the foundation. In their opinion it is a modular home. XXXX I put my home on the market trying to sell it, we had a potential buyer but could not get financing is all we were told. Put it back on the market 2nd buyer using Guild Mortgage Asked us if we could close early and financing is approved and ready. We denied closing early but made arrangements to be out on the closing date. So we secured a rental and moved out. The day before closing Guild Mortgage came back and said they can not do the loan. This is where everything came to light. Even all these specialists that I paid to protect me from something like this from happening had no idea the backlash of mislabeling a house. XXXX could answer simple questions, and everyone was misled by the confusion of Mobile Home, Manufactured Home, and Modular even I did not understand until now. But that is why I hired Professionals to help me and even bought title insurance. Mobile Homes and Manufactured Homes got regulated by the US Gov. XX/XX/XXXX Every Manufactured after this date should and has to have a HUD tag. My home should have had one, It did not according to the Appraiser XXXX XXXX XXXX. This also made it a Huge NO, NO for lenders and all appraisers to mislabel these types of homes. Since the home that I bought was advertised and sold as a XXXX it should have had these numbers or should have never been sold. To help try to fix the issue I tore off the rock skirting that was put up before I bought the home to try to find the Serial Number, Luckly, Unlucky I found it. I paid to run it through XXXX, ( twice ) the government website that keeps track of all Manufactured homes since XX/XX/XXXX. The results It came back as Pre HUD, The XXXX Manufactured Home I bought is now an unknown PRE HUD Mobile Home. This alone drops the value and now makes even more lending institutions not loan on it. The date alone is roughly $ XXXX? Loss. Now it is unmarketable ( See Appraisers note above ). In summary this is not the Home I thought I bought and or it was not done correctly from the start, this was not my fault this is why Hired all of the Professionals. The City and County are both at fault for not having, keeping, and even losing records, but that aside it clearly was not a XXXX Manufactured Home, it is a Pre XXXX Mobile Home. THE OUTCOME- Ultamitly it needs to be made right so anyone that wants the home can buy and sell it as needed. I would like some compensation on top for the stress it has caused me and my family of XXXX. The demolition and repairs I need to make on the home finding the serial number. The time and money I spent doing research on what even happened, even though I paid professionals to protect me from this. If there is no way to Fix it, the mislabeling, we know we can't fix the year or the advertised as a HUD home and it is PRE HUD. What is the next step, Compensation for demolition and rebuild? Since I am Told by several Mortgage companies that the loan is fraudulent and should have never been done, I want the loans paid off with every Penny I paid, paid back to me. I have more money in upgrades and improvements to this home than I originally paid for it, thinking some day I could sell it. I have informed the VA that they loaned on a fraudulent loan.

Company response to consumer: Closed with explanation