Comstock Mortgage

Geoff Black at Guild Mortgage is a great mortgage broker. My loan just funded, and the rate was competitive. Geoff was efficient, easy to communicate with, responsive to my calls and emails, and clearly knowledgable. I would call him again, and if you want a great experience buying or refinancing, you should call him, too.

The senior loan officer we dealt with was very unprofessional and obviously didn’t take notes during initial conversations. He strung us along in our refinance leading us to believe that our loan would definitely be approved. We as homeowners spent several thousand dollars getting our home structural fit (on the advise of the loan officer) for the appraisal which was needed before submission to underwriting. After completing the appraisal, l we were told it wouldn’t get approved. The loan officer accused us of withholding information, and not being upfront with our financial and loan information. Our initial conversations with the loan officer had included our entire mortgage situation that included the reason we were refinancing. The loan officer evidently hadn’t taken proper notes, but instead accused us of not doing our part. We feel that he was very unprofessional and unknowledgeable with the way he dealt with us, and would not recommend this company to anyone.

best in the west… 20+ years of closing home loans here in the valley.
Troy Bird /​Guild Mortgage 916 977‑1234

Jennifer Gonzales served as the Sr. Loan Originator on this transaction. The purchase contract reflected a 21 day close and an e-​mail from Jennifer said she would do everything she could to make sure this was the case. The transaction was to close on March 24^th, to this date still has not closed and we are now extended to a 42 day close. The reason… the lender was trying to get the buyer into programs to which they did not qualify. Once they realized they waisted all of our time, they enrolled them into a program which she did not realize was going to take an additional week. It is an in-​house program and she was not aware of her own company guidelines. With so many lenders, its an easy decision to not waste time with this one.

Still referring to Geoff, but Comstock is no more. It’s Guild Mortgage now. It’s a bigger umbrella, so I’m told that means a broader range of services.
Geoff’s the key there, though. He’s not going to hand you off or blow smoke up your skirt. He’s just a good guy with a strong work ethic.

Troy Bird completely over delivers in all aspects. I was pretty overwhelmed about the home loan process at first since I knew nothing about it, but Troy was great at explaining things in layman’s terms and making the process totally painless. I couldn’t have asked for a more professional and knowledgeable person with whom to work on my first home loan. On top of being an expert in the field, he’s just a very nice, approachable and friendly guy. I recommended him to friends and family who were in the market of buying a home and they were very happy with his services as well. You can’t go wrong in doing business with Troy.

My mortgage broker really dropped the ball on my mortgage and I have been paying the price ever since. We had a discussion on a Friday about locking in my mortgage rate, I was satisfied with the rate but she said that rates are usually higher at the end of the week so we should wait until Monday to make sure the rates don’t drop. I agreed as she sounded like she knew what she was talking about. I am then waiting for all closing docs and such for escrow to close when I get a call two weeks later asking of I would like to lock in a rate. WHAT? At that point the rate had jumped a full percent and this cost me hundreds per month on my mortgage. The agent did apologize but sorry don’t pay the bills. I would not recommend them, if I could do it over again I would go with another company.

Run don’t walk away from this company. At noon on my close date they are just getting around to income verification. delayed my close, angered the buyer, cost me more money and time. This company is a joke and should be avoided at all costs.

Geoff Black and the Comstock team were instrumental in our quest to purchase a home in our dream neighborhood. Because we were so area specific, Geoff provided excellent support throughout our real estate journey of four offers and two different escrows. We never felt pressured and the Comstock team was nothing but supportive and determined to help us reach our goal.

As first time home buyers we were nervous, who isn’t right? Troy Bird and Comstock Mortgage did everything to ease the anxiety right from the beginning. We were actually approved by Summit Funding but our Realtor wanted us to switch to Comstock right away so we could work with Troy and his team. Best decision ever! He is prompt, available, detail oriented and knows his stuff. He has been in the business for over 20 years and he know the business inside and out. Comstock was able to find us credits for closing, helped us improve our credit scores and gave us financial advise for the future. Working full time jobs it is hard to meet with your mortgage company, but Troy made all the accommodations. We also added a remodeling loan to our mortgage and Comstock helped with everything. On the day we had to sign at the Title Company I asked Troy if he could meet us there for the 2 hour appointment (just because we were a little nervous)…he came and stayed the entire signing and answered all our last minute questions. We got a very low rate, great service and I couldn’t be happier working with Troy Bird.

Troy Bird did my refi for me. It was a real difficult one due to problems I had created in my past. It took a long time and Troy really had to know what he was doing to get it done. The values were very close, my credit score and a few other things that Troy had to work out were time consuming but, Troy never gave up. I believe he went the extra mile for my refi and I have thanked him over and over. Thanks again Troy! Without you I probably would have had to let my house go.
I would recommend Troy and Comstock Mortgage to anyone looking to get a residential home loan.
Tony Vivilacqua

My dear friend Jennifer Vicari-​Cox of Fidelity Title (5 stars for her and them) sent my husband and I to Troy Bird of Comstock Mortgage. I am convinced that we would not have qualified, been approved and about to move into our new home without Troy and his team. What a lovely group. Very focused on the best outcome and just plain good people. I will recommend Troy every chance I get. I now consider him a friend.

I have had the pleasure to do business with Troy Bird at Comstock Mortgage. He is extremely knowledgeable of many different mortgage options and it helps that he is a local lender that doesn’t give you the «run around.» He knows what it takes to qualify for a loan and won’t let you get in over your head. Because there are so many different financing options available, he will take the time to work with you and choose which one will work the best for your particular situation. Whether it is FHA, VA, conventional, or any of the other financing options available, choose Troy Bird to give you fantastic customer service and realistic expectations. There are so many different people and steps involved with the lending process from the underwriters, processors, appraisers, banks, brokers and even direct lenders. Choose Troy Bird to make the process work for you.
HIs office is conveniently located off Watt and Fair Oaks Blvd in Sacramento. It is a very professional and comfortable atmosphere within the building. The parking lot can appear quite full at times, but I’ve never had a problem finding a decent parking spot.

I have never received such unprofessionalism in my life, until I meet Troy Bird with Comstock mortgage. He was very judgmental on a prior short sale, that he pretty much told me I was a loser and people like me are why people like him have to pay for my mistake. He has no idea why I had to do a short sale on my house. I would never refer him or this company to anyone.

The underwriter denied our claim not based on something wrong with our background, job, or loan but based on the house having 2 doors in the master bedroom. That is the most stupidest underwriter in the world. Comstock Mortgage said, «I understand that you are frustrated but sorry.» My husband and I paid for an appraisal, pest control, and an extension of time. That’s $ 1,000 wasted. Please don’t go to any Comstock Mortgage Company because they will harass you, give you the run around, and then deny the claim over NOTHING. I am really pissed off and will Never recommend them to anyone. Please STAY AWAY!

Had great experiences years ago with one loan agent from Comstock. Now it’s run by Jeff Tarbell who runs ads and has a show on a local radio station, so I thought it’s credibility would increase. However, I recently tried to refinance with the HARP program through Comstock. I was told HARP was handled by a «specialist» and not by the loan agent I knew from the past. My credit wasn’t what it should be and was told I didn’t qualify. That’s okay with me, but follow up phone calls and emails were left unanswered. It took months and many emails to finally get a response at all. I went with a different company and got a HARP refinance done right away. I still hold the original loan agent from years ago in high regard, but I don’t think I will be going to him anymore.

Steve Romero I worked with (I was referred to) 10 years ago and he was great, on the ball, VERY responsive and fair. Now, 10 years later my husband and I are buying another home and I immediately thought of Steve. Just like before, VERY responsive, knowledgeable and in our corner. With the real estate market the way it is, it’s good to see that the quality brokers really do survive. Highly recommend him.

The best in the business. Make them your first choice.