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Baxter S Scruggs – Guild Mortgage Lender

Baxter S Scruggs

Branch Manager

5050 Avenida Encinas, Suite 120, Carlsbad, CA 92008
Own what matters
Own what matters

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, Ricarda Lopez 858-239-4614 or Tyler Bolaski 951-775-7270.

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

Baxter Scruggs



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4.99 out of 5.0 stars
Rebecca R
May 02, 2024

Baxter and his team exceeded our expectations while purchasing our first home! They alleviated any stresses we had and answered all our questions. Would recommend to anyone purchasing. Thank you for making the loan process stress free and a smooth transaction.
Bernadette S
Oct 27, 2023

We had an amazing experience with Guild Mortgage, Baxter Scruggs and his team are exceptional. The customer service was outstanding, and they were exactly what we were looking for. We were frustrated looking for lender but when we found Guild, Loan Manager Baxter took his time explaining everything from the beginning till the end. The whole team went above and beyond to help us find the right loan for us. We were very impressed with the quality of the services we received. It was exactly what we were hoping for. They were accommodating and responsive to all our questions. Thank you Guild Mortgage, to Baxter Scruggs and Team. We highly recommend them!
Landi H
Aug 31, 2023

We had an excellent experience with Guild Mortgage. Baxter was so helpful and easy to work with through the whole process. I would highly recommend using them if you want a great and stress-free experience.
Pam H
Aug 29, 2023

Very knowledgeable leader. Home sales go a lot smoother with Baxter. No drama, just great results. Clients love that he can give different options with pros and cons so they understand the loan they are getting. Will definitely refer him again!
Aug 23, 2022

Baxter is a major dude! He contacted me communicated my options followed up and just made it all happen. I could not be happier with his services. Highly recommended without reservation
Aug 23, 2022

Hello everyone Baxter and his team were wonderful. They helped my wife and to get into an amazing home. We had some battles to overcome but they were there the whole time. If anyone of you are seeking to work with anyone you don't need to look anywhere else. All documents were signed electronically and for the final signing they even had the notary come to us. Easy and quick! we were in a home so fast!

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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;