Kim Toskey

If you want someone who will take time with you and answer your phone calls and emails, I suggest you keep looking for a different mortgage broker. This was my first home-​buying experience, so I was hoping to have some new information explained to me.
I was given a choice of either signing the loan docs remotely at home, or driving in to the office to meet with Kim. I decided to make the drive to North Seattle, so that I could have some items explained to me. I was shunted into a room with a newly hired admin and had to send back for Kim every time there was something that I wasn’t clear on, because he wasn’t able to answer my questions; it made me feel like I was being a nuisance and it discouraged question-​asking in a major way.
Then, after having been promised either Guild’s current 30-​year mortgage rate of 4.625% or lower (I was assured that I shouldn’t lock now, because the rate would drop) on my good-​faith estimate (8÷15÷13), I completely lost the ability to get in touch with Kim. Around the time that my rate absolutely had to lock, I called incessantly day after day, before finally getting an email that my rate was locked at 4.875% (9÷6÷13). When I look back at the 30-​year mortgage rates posted by Freddie Mac (4.40% on 8÷15÷13 and 4.57% on 9÷6÷13), I have trouble understanding why my rate went up a quarter percent.
After this very disappointing news was swallowed, the closing was delayed because Guild Mortgage didn’t get their paperwork straight on time.
Needless to say, my experience was a frustrating, upsetting, and expensive one.
Then, before I even made the first payment on the mortgage, I got a letter stating that my mortgage had been sold to US Bank. Does Guild simply hike up its customer’s rates and then sell the mortgages at a profit to larger banks?