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Guild Mortgage - Melbourne, Vero Beach, FL
Vero Beach, FL
Guild Mortgage is one of the top independent mortgage lenders in the nation*, with knowledgeable residential loan officers in your community. Guild offers deep expertise and personalized service for new home purchases and refinancing to eve... Show More
Location & Business Hours
Business Hours
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
Fri
8 AM to 5 PM
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Reviews from Web
He was always available to answer questions and to ease my mind when worried
Tosh - He's the BEST! Period.
Fast. Efficient. Knowledgeable. The Guild team worked diligently to assist throughout the entire lending process. We (buyer/agent) were extremely impressed with the communication, service, and care that we received.
Working with Tosh and his team was the easiest part of the entire home buyiing process.
Tosh was always on top of things and answered all the questions and concerns we had throughout the buying process. He got us a competitive rate. He communicated with us the entire time and we were never left guessing what was next.
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Reply from Tosh Pence
September 21st, 2026 01:19 PM
Heather, I'm glad to know that my communication and responsiveness helped you feel informed throughout the buying process. Securing a competitive rate and addressing all your questions is something I always strive for at Guild Mortgage. Thank...
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Guild Mortgage - Tosh Pence has received a review with 5 star rating from Susan E
You closed us much sooner than our close date and the process was very efficient. I've closed properties as much as 1 week ahead of time but never 2 weeks ahead. It was amazing you were able to get it done!
Reply from Tosh Pence
September 18th, 2026 07:48 PM
Susan, I'm happy to know that I could close your property two weeks ahead of schedule and make the process efficient. At Guild Mortgage, we strive to exceed expectations, and it's wonderful to hear about your positive experience.
Closed on time with zero issues!
Reply from Tosh Pence
September 14th, 2026 01:01 PM
Timothy, I'm grateful to hear that everything went smoothly and you closed on time. It's wonderful to know that there were no issues during the process.
From pre-approval to the closing table, Tosh provided an incredibly seamless experience for my first-time homebuyers. He communicated clearly every step of the way, ensuring my clients felt confident and well-informed about the often overwhelming...
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Reply from Guild Mortgage - Tosh Pence
July 31st, 2026 12:20 PM
Susan, I'm pleased to hear that the experience was seamless for your first-time homebuyers. Clear communication is important to me, and it's good to know it helped your clients feel confident throughout the process. Thank you for sharing your...
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From pre-approval to the closing table, Tosh provided an incredibly seamless experience for my first-time homebuyers. He communicated clearly every step of the way, ensuring my clients felt confident and well-informed about the often overwhelming...
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About
Guild Mortgage is one of the top independent mortgage lenders in the nation*, with knowledgeable residential loan officers in your community. Guild offers deep expertise and personalized service for new home purchases and refinancing to every kind of borrower. Whether you are a first-time homebuyer, upgrading, downsizing, or investing in residential real estate, we have the loan to fit your life.
Specialities
Financial Services
Year Started
2025
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 2576523
Disclaimer
We are licensed to do business in the state of Florida.