Guild Mortgage Loan Modification & Foreclosure Prevention Help

If you are falling behind on your mortgage payments with Guild Mortgage, time is against your most valuable asset, your home. Since 1997, United Capital Mortgage Assistance (UCMA) has specialized in helping homeowners navigate the complex and often stressful landscape of foreclosure prevention. We understand the specific requirements of major lenders like Guild Mortgage and can help you fight to keep your home. You do not have to face this process alone.

Why Choose UCMA for Your Guild Mortgage Assistance? 

Trying to secure a loan modification on your own can be overwhelming. Lenders often speak a different language, and one missed document can restart the entire process.

• 25+ Years of Experience: We have been successfully helping homeowners stop foreclosure and modify their loans since 1997.
• Lender Specific Knowledge: We know how to package your application to meet the specific guidelines Guild Mortgage requires.
• Stress Relief: We handle the communications, the paperwork, and the follow-up, allowing you to focus on your family.

Real Homeowner Success: “We tried to do this ourselves but it did not work. You said you could help us avoid foreclosure and you did. I was a little leery, but not any more. You are amazing, thank you for all your help!” — R.D. & W.D., Washington DC

Need Immediate Help? Call 1-800-474-1407 for you Free Consultation or Click Contact UCMA and we will call you!

Guild Mortgage Loss Mitigation Contact Information 

If you are attempting to contact Guild Mortgage directly regarding a default or foreclosure, use the dedicated Loss Mitigation department numbers below rather than general customer service.

• Loss Mitigation Phone: 877-782-3371
• Loss Mitigation Fax: 858-346-1027
• Online Portal: Guild Mortgage Login & Payment Portal
• Mail Documents To: Guild Mortgage Company Attn: Loss Mitigation P.O. Box 85304 San Diego, CA 92186-5304

Need Help Navigating Guild’s System? Call UCMA immediately for a free consultation. 1-800-474-1407

Official Government Foreclosure Resources 

We believe in empowering homeowners with verified information. The following government agencies offer programs that may assist you in addition to a private loan modification.   

• CFPB Mortgage Help: Consumer Financial Protection Bureau Mortgage Resources   
• FHA Borrowers: HUD/FHA Avoid Foreclosure Options
• VA Loans: VA Housing Assistance & Foreclosure Prevention

State-by-State Aid: Homeowner Assistance Fund (HAF) Programs

Frequently Asked Questions: Guild Mortgage & Loan Modifications

What is a Trial Payment Plan (TPP) with Guild Mortgage? 

A. Trial Payment Plan is often the first step in a loan modification. Guild Mortgage may require you to make three months of “trial” payments at a new, estimated amount.

• Why it matters: If you make all three payments on time, the modification typically becomes permanent.

Why did Guild Mortgage deny my loan modification? 

Denials are common and can happen for several reasons:

1. “Incomplete Application”: This is the most frequent denial. If Guild requested a pay stub dated within 30 days and yours was 31 days old, the file may be closed.
2. DTI (Debt-to-Income) Issues: You may have shown too much income (implying you can afford the current mortgage) or too little income (implying you cannot afford even a modified payment).
3.  NPV Test Failure: The “Net Present Value” test calculates if the investor makes more money foreclosing or modifying. If the math favors foreclosure, they may deny the mod. UCMA specializes in identifying these issues before submission to maximize your chances of approval. 

1. Why should I hire UCMA instead of doing it myself?

2. While you have the right to apply on your own, the process is designed to be rigorous. A single missed deadline or incorrect form can result in a denial. With over 25 years of experience, UCMA acts as your advocate. We know exactly what Guild Mortgage looks for, we track every document, and we hold the lender accountable to the timelines set by federal law.

Can I stop a foreclosure date that has already been set? 

Yes, but you must act immediately. Guild Mortgage (and other servicers) generally cannot proceed with a foreclosure sale if a complete loss mitigation application is received more than 37 days before the sale date. Submitting a package at the last minute requires expert precision to ensure it is deemed “complete” upon receipt. To understand how we can help, Contact UCMA immediately.

Don’t Wait Until It’s Too Late. Your home is your most valuable asset. Let our 25+ years of experience work for you. Call United Capital Mortgage Assistance Today: 1-800-474-1407. Trusted Foreclosure Prevention Since 1997.