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Making Your Homeownership Dreams a Reality

Personalized Mortgage Solutions for Every Journey

About me

Troy’s roots in the Windsor and surrounding communities run very deep. His ancestors were Germans from Russia and settled in Windsor in 1899. Troy graduated from Windsor High School and is proud to be a Windsor Wizard like his grandfather and mother before him and two sons after him. Troy serves on the Windsor Chamber Board of Directors and is a strong supporter of the community. Troy’s wife, Norma, is his assistant and was a long-time resident of Fort Collins until moving to Windsor in 2017. Norma is bilingual and can help Spanish speaking borrowers who prefer Spanish vs English. In their spare time Troy and Norma enjoy gardening, exercising, biking, hiking, and entertaining guests at their home. They have three adult children, Alex, Noah, and Omar. Troy and Norma are dedicated to helping you achieve your homeownership goals. If you are a first-time/several time homebuyers, property investor, or refinancing a home or second property, they have the knowledge and expertise to help you through the process as with many different loan programs like Conventional, FHA, VA, USDA, CHFA and Metro DPA. And, as a direct lender--all loan processing, underwriting, closing, and funding are handled locally which allows us to close quickly. Troy and Norma are happy to assist you in navigating the mortgage process with ease and efficiency.

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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.

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.
Reverse mortgage loan

Reverse mortgage loan

If you’re retired or at least 62 years old and looking to purchase or refinance to make the most of your home investment, this may be a good option for you. A reverse mortgage allows you to use the equity in your home to supplement your retirement income.

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

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Testimonials

Testimonials
4.87 out of 5.0 stars
5.0
4.83
5.0
Joshua M
Aug 02, 2025
Verified

Troy was such a pleasure to work with. He's extremely patient, open, honest, and communicative. He meets you where you're at and understands the process is different with each individual. I definitely appreciated Troy and would recommend him to anyone. I had such a great experience with him purchasing my first home.
Nino J
Aug 01, 2025
Verified

I recently had the pleasure of working with Troy from Guild Mortgage, and I couldn’t be more impressed with his professionalism, responsiveness, and dedication throughout the transaction. From the initial pre-approval to the final closing, Troy was consistently proactive, communicative, and solution-oriented. What stood out most was his ability to keep the process smooth and stress-free for both myself and our mutual client. I would highly recommend Troy and his team to my clients and colleagues.
Nino
Jun 09, 2025
Loveland, CO
Verified

I recently had the pleasure of working with Troy from Guild Mortgage, and I couldn’t be more impressed with his professionalism, responsiveness, and dedication throughout the transaction. From the initial pre-approval to the final closing, Troy was consistently proactive, communicative, and solution-oriented. What stood out most was his ability to keep the process smooth and stress-free for both myself and our mutual client. I would highly recommend Troy and his team to my clients and colleagues.
Anita
Jul 17, 2025
Greeley, CO
Verified

I was treated with respect and was guided through out the process of my application. Things were explained to me to the point where i I understood what I was signing. Thank you so much to Troy and Norma Baldwin.
Dawn
Jun 02, 2025
Fort Collins, CO
Verified

Thank you, Troy for a wonderful experience working together. You take great care of your clients and I will look foward to working together again in the future!
Vakho J
Jun 10, 2025
Verified

Troy was super helpful and informative. Worked really hard for us and helped us around every corner. My first time home buying experience was the best!

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #2152192
I am authorized to do business in the states of California, Colorado and Wyoming. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;