Guardian Savings Bank in Fort Wright, Kentucky

We started the loan process in July. Was pre approved. Given a rate. Paid & had our appraisal. Then given the run around. Lost appraisal, then it expired, ended up asking for more & more paperwork. The original loan officer quit or was fired. We were not notified. We only found out when we called to follow up with loan process. Our credit has been ran 4 times & now after 8 months we are told sorry they will not honor our loan. Our loan had already been in underwriting multiple times & was told several times we'd close in the next 2 weeks. Very disappointing & poor customer service.

Similar to others who have shared their experience, we were pre-approved, given a rate and terms that were changed at the last minute, despite sending everything when asked, and given the run around while our closing was delayed. It was a total bait and switch. We had been customers for 4 years and paid twice our monthly payment to greatly reduce our principal, with perfect payment history and good credit. However, in the process of obtaining a new mortgage with GSB after the sale of our home, we were treated like GSB was doing us a favor throughout the process. We received very little communication and our final terms were emailed less than 24 hours from our scheduled closing and weren't what we agreed to. Thankfully, we had a local bank that we contacted when we were concerned we were being misled, who was able to close sooner. Buyer beware as not only was this experience stressful, but also costly; rescheduled movers, costs to our sellers which we agreed to pay to keep the home under contract and lodging costs due to the delayed closing after the sale of our home. It was truly a NIGHTMARE! Please save the canned response GSB and do better. Don't make promises you can't or won't keep! Call your local bank who will treat you with respect and adhere to promised timelines.

Used them in the past and they were great to deal with.