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.comGuild Mortgage loans and your estate
A debt, not an asset: nothing to designate or retitle
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 are a debt, not an asset. There is nothing to designate a beneficiary on and nothing to retitle into a trust: what the account holder owes at death becomes a claim against the estate, paid from estate assets before anything is distributed to heirs.
Estate planning around Guild Mortgage means knowing the balance exists. An executor pays the estate's debts before its heirs, so an unlisted balance is what stalls an estate late — after distributions have already gone out. Relatives do not personally inherit the debt; a co-signer or joint account holder remains obligated on their own account.
When the account holder dies, the executor notifies Guild Mortgage, obtains the balance owed as of the date of death, and resolves it through the estate's creditor process. The steps and required documents are on the death claim page.
Guild Mortgage accounts carry no beneficiary designation, because there is nothing to leave: the balance is owed, not held. It is settled by the estate as a creditor claim rather than passed to anyone.
Trusts and Guild Mortgage loans
Guild Mortgage balances cannot be moved into a trust. Trust funding retitles what someone owns; a debt stays with the estate, which pays it before the trust or the heirs receive anything.
The steps below cover the property that secures a Guild Mortgage loan, not the loan itself.
How a trust and the property securing a Guild Mortgage loan fit together
Required Documents
- Trust agreement. Drafted by an estate attorney, naming the trustee and beneficiaries
- New deed from the owner to the trust. Names the trust and the trustee and is signed before a notary public
- Recorded deed from the county recorder's office. Guild states recording is what makes the trust the legal owner of record
- Updated homeowner's insurance policy or declarations page. Names the trust as an additional insured or primary named insured, with Guild's mortgagee clause intact
- Loan number and property address (for the call to the loan officer or Loan Servicing)
What Guild Mortgage says about trust accounts
Each section is Guild Mortgage's own statement, with the document it comes from numbered under Sources.
What Guild Mortgage says about trust accounts1
- Whether a new account is opened
Guild says placing a home in a trust won't immediately affect the existing mortgage: the borrower keeps making the regular payments and the loan terms stay the same.1
Not in Guild Mortgage's published guidance4
- A list of accepted trust documents
- A trust-certification form
- A trust-transfer checklist
- A turnaround for acknowledging a trust transfer
Sources2
- 1.Guild Mortgage article on putting your home in a trust
- 2.Guild Mortgage servicing guidance on a trust transfer
Sources
Data sourced from Guild Mortgage primary sources (15 pages reviewed). How we research.
Download these Guild Mortgage instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Guild Mortgage primary sources. Bring it to the branch or keep it beside the phone.
Guild Mortgage estate support
Payoff Department (payoff quotes and payoff funds)
Phone
Mortgage / hardship assistance
Delinquency & loan modification
Homeowner insurance & escrow
Fax
Hours
Mailing address
Website
Estate planning articles
Learn how to protect your Guild Mortgage accounts and other assets with trusts, beneficiary designations, and estate planning documents.
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