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Baxter S Scruggs

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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We appreciate the opportunity to work with you. Our goal is to be available and to communicate with you throughout the loan process.

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.



A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.


If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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4.98 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

Excellent service done in a professional manner. Up front and dilegent communication.
Aug 23, 2022

As a realtor in the extremely competitive San Diego real estate market when our real estate team refers a client to a vendor we need to know that vendor is going to deliver. Baxter and his team always exceed our expectations. They go above and beyond to meet the tightest deadlines are always responsive and take the time to explain the loan process and stay in close communication with all stakeholders in the transaction. They offer a variety of programs that other lenders may not offer for first time home buyers and first responders that have enabled our clients to make the dream of owning a home a reality. We are confident referring our clients to Baxter and his dedicated team at Guild because they have proven time and again that they will get the job done on time and with excellent customer service.

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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;