Guild Mortgage
Subsidiary of Gulf MSR HoldCo, LLC (immediate parent of Guild Holdings Company per the merger 8-K), funded by Bayview MSR Opportunity (U.S.) Master Fund, L.P., a fund managed by Bayview Asset Management, LLC
guildmortgage.comWhat to do when a Guild Mortgage account holder dies
Report the death to Guild Mortgage Loan Servicing at 1-800-365-4441
Guild Mortgage has changed ownershipAcquired, effective November 2025
Bayview MSR Opportunity (U.S.) Master Fund, L.P., a fund managed by Bayview Asset Management, LLC, completed its all-cash acquisition of Guild Holdings Company on November 28, 2025 ($20.00 per share, roughly $1.3 billion). Guild Holdings' common stock ceased trading and was delisted from the NYSE. Guild continues to operate under the Guild Mortgage brand as a privately held independent entity of the MSR Fund, which also owns Lakeview Loan Servicing, LLC. The SEC record fills in the chain: the merger 8-K (filed 2025-11-28, CIK 0001821160) shows Gulf MSR Merger Sub Corporation, a wholly owned subsidiary of Gulf MSR HoldCo, LLC, merging into Guild Holdings Company, which survives as a wholly owned subsidiary of that parent, for consideration of approximately $1.244 billion funded by the Bayview MSR Fund. The NYSE filed Form 25-NSE on November 28, 2025 and Guild Holdings filed Form 15-12G on December 8, 2025 reporting one holder of record, so Exchange Act reporting has ended and there are no further public financials. What did NOT change is the entity a family actually deals with: the 8-K states that certain directors and officers "continue to serve in their roles at Guild Mortgage Company LLC, the Company's wholly owned subsidiary." Loan terms, servicing phone numbers, payoff channels, and mailing addresses below were all re-read on 2026-09-13 and are unchanged.
Guild Mortgage balances do not pass to anyone at death — they are settled. The executor reports the death to Guild Mortgage Loan Servicing (1-800-365-4441), gets the date-of-death balance in writing, and resolves it through the estate's creditor process.
The claim process begins with a phone call to 1-800-365-4441. Have the account holder's full name, account numbers, and the death certificate available when making initial contact.
Death claim process
To file a claim after an account holder's death, here is what Guild Mortgage requires:
Filing a claim
- A decision takes approximately 30 days once Guild has received all required items
- Some investors will not review a workout package received within a few weeks of a scheduled foreclosure sale date
- Mail it to Guild Mortgage Company, LLC, c/o Compliance Management Division-Complaints, 5887 Copley Drive, San Diego, CA 92111
- Guild sends an acknowledgment letter within 5 business days
- In most cases, within 30 days, it corrects the error, provides the information requested, or explains why it believes no error occurred
- You may request copies of the documents Guild relied on
- A corrected or adjusted tax bill must reach Guild ten business days before the delinquent date, or any penalty is charged to the escrow account
- On a loan transferred to Guild from another servicer, email an approved exemption or an adjusted tax bill to taxbills@guildmortgage.net
What happens to each kind of account1
- Loan
On a Flex Payment Mortgage (Guild's reverse mortgage or HECM), the death itself matures the loan: Guild states "Repayment occurs only when the last borrower passes away, moves out or sells the home." Selling is the usual path, and Guild states the borrower will "never owe more than your home's value."1
Guild's loss-mitigation options are forbearance, repayment plan, loan modification, payment deferral (non-interest-bearing, may not be available for all investors), partial claim, short sale (written offer at current fair market value) and deed-in-lieu (investors may require a 90-120 day listing at fair market value).1
Guild's article lists three options for a home inherited with a mortgage: assume the loan, pay it off (including by refinancing), or sell. It notes that "federal law offers protection in some instances allowing relatives to assume the loan under the existing terms of the mortgage."2
The article states that the estate becomes responsible for settling unpaid debts, and that where there are not enough assets "you may also inherit the debt."2
Federal law on calling a home loan after a death
These exemptions apply to a loan secured by residential real property containing less than five dwelling units.12 U.S.C. § 1701j-3(d); 12 CFR 191.5(b), 141.14Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety.12 U.S.C. § 1701j-3(d)(3); 12 CFR 191.5(b)(1)(iii)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer to a relative resulting from the death of a borrower.12 U.S.C. § 1701j-3(d)(5)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer where the spouse or children of the borrower become an owner of the property.12 U.S.C. § 1701j-3(d)(6)Verified Oct 3, 2026View source
A federal regulation sets further conditions on these transfers.12 CFR 191.5(b)(1)(v)Verified Oct 3, 2026View source
Accounts handled elsewhere2
- Guild insurance and escrow line (MyCoverageInfo)
Homeowner's insurance on the loan: evidence of insurance, insurance questions and loss drafts1, 3
Phone: 1-800-354-0328
Email: GuildMortgage@mycoverageinfo.com
Hours: Monday-Friday 5:00 AM-5:00 PM PT
Mailing address: Insurance correspondence, refunds and the mortgagee clause: Guild Mortgage Company, ISAOA/ATIMA, P.O. Box 1788, Springfield, OH 45501-1788. Loss drafts: Guild Mortgage Company, Attn: Loss Drafts, PO Box 6501, Springfield, OH 45501 (overnight: One Assurant Way, Springfield, OH 45505).
- InsuranceClaimCheck.com
Insurance claim checks where there is an open damage claim3
What Guild Mortgage provides to the estate2
- Payoff statement
Guild takes Payoff Demand Statement requests by email at payoffdept@guildmortgage.net, by fax at 858.215.3360, or by mail to Guild Mortgage Company, P.O. Box 85046, San Diego, CA 92186-5304.1
A payoff must be certified funds or a wire. Confirm wire instructions with the payoff department at 858.492.5888 (Monday-Friday 8:30 a.m.-5 p.m. PT) before sending any funds; Guild warns that cybercriminals actively target mortgage payoffs with fraudulent wire instructions.1
- Statement copies
Guild's servicing fee schedule prices a document request, inactive file retrieval, a loan history for periods before the current and prior year, a replacement year-end statement and a second amortization schedule at $0.00 each.4
What Guild Mortgage's agreement and guidance say2
- Fees
To assume the loan, a qualifying party applies to take on legal responsibility for it. Guild's servicing fee schedule shows an assumption fee of $300-$4,000 charged "upon approval of changing the individual(s) legally responsible for repaying the loan," subject to the investor's rules.4
Late charges apply to a payment received after the 16th of the month, and a returned check draws a $15.00 non-sufficient-funds fee.1
A reconveyance fee to release the lien after payoff "varies" and is calculated per the Deed of Trust or Mortgage.1
- Accounts from a merged institution
If the loan was transferred to Guild from another servicer, Guild sends a letter with the new loan number no later than 15 days after the transfer date. The transfer does not change the interest rate, payment due date or loan term.1
Not in Guild Mortgage's published guidance5
- A procedure for reporting a death
- A department for deceased-customer accounts
- A claim form
- A list of required documents
- How long a claim takes
Guild Mortgage Loan Servicing can be reached by phone at 1-800-365-4441 for questions throughout the claims process.
Sources
Data sourced from Guild Mortgage primary sources (15 pages reviewed). How we research.
Guild Mortgage death claims support
Guild Mortgage Loan Servicing
Phone
Payoff department (payoff figures, wire verification)
Mortgage payment / hardship assistance
Hours
Mailing address
Website
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