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About me

Thank you very much for considering Guild Mortgage for your financing needs. We are well aware that there are numerous options for consumers these days, and we do not take lightly our responsibility to provide you with excellent customer service.

Even in the best of times, buying or refinancing a home can be a very stressful experience. That being said, we are now in an era of over regulation, over documentation and confusing disclosure requirements that all lenders must follow. A huge part of my job is to help you navigate through this process so that you reach your ultimate goal, which is to move into your new home or refinance into a better loan.

I have found over the years that the most important part of my job is good communication with my clients. I always stay on top of my files, I try to keep all parties updated along the way, and I try to deal with problems up front and solve them as early as possible.

My role as a loan officer is to discuss loan programs, interest rates, rate lock options and any other strategies you might have with regards to your loan or your finances in general. For processing or paperwork, you may call my assistant, Tyler Bolaski 951-775-7270.

Thank you again for considering Guild Mortgage Company and I look forward to working with you.

Sincerely,
Baxter Scruggs

 

 

Let's find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Meet my team

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I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.98 out of 5.0 stars
Zillow logo
5.0
Experience logo
4.9
Google logo
5.0
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5.0
Mark
Feb 18, 2026
Angelus Oaks, CA
Experience logo
It got done!
Deborah C.
Feb 18, 2026
Google logo
Baxter is knowledgeable and knows home loans , he can be relied on to come up with the right loan for my buyer. I appre...See more
Deborah
Feb 17, 2026
Angelus Oaks, CA
Experience logo
Baxter is knowledgeable and knows home loans , he can be relied on to come up with the right loan for my buyer. I appre...See more
Philip
Feb 12, 2026
Carlsbad, CA
Experience logo
Everything went smoothly and as hoped for.
Adriana R.
Jan 27, 2026
Google logo
We absolutely LOVE working with Baxter. We worked with him 10 years ago when we purchased our home and have refinanced w...See more
Mike
Jan 19, 2026
Pauma Valley, CA
Experience logo
Baxter was outstanding and he and his team overcame seemingly insurmountable situations with my buyers, and closed ontim...See more

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NMLS ID #156370

I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;

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