It took 3 ½ months for Wells Fargo to decline my brother and I a loan for our first house. 36 phone calls before I got ahold of him, and it wasn’t by phone. He sent an email detailing out a response to my phone voicemail. He didn’t want to talk to me at all. it took 3 ½ weeks for Mastercard to decline their loan with my brother and I. They genuinely tried but the numbers didn’t work for them. The followup was great, but the delivery left us in a bad state of affairs. I had 1 week to find a new company, deliver said approval and loan acceptance to the now approved shortsale(that took 6 months to get an answer on) for us to secure the house. Near exhausted from the previous two denials I was near panic. My Realtor Maureen Olson referred us to Guild Mortgage and specifically Charles Krauth. Beyond all belief he maanged to secure a loan in the required time, and between maureen and Charles I was able to get the house I am in now. Without the serious effort put in by the both of them, I would not have a home to live in right now.