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About me

Thomas Cobb is a south Louisian native who has called the Saint Charles area home for over 20 years. During this time, Thomas has developed a reputation among real estate agents and customer alike for his honesty, integrity and experience.  He prides himself on keeping everyone updated on the loan process, as well as changes in the market and industry.

Thomas enjoys working with first time home buyers; answering questions and walking them through and helping them understand the steps involved in this complicated and important decision. Thomas has over 15 years of experience in the mortgage field.

Guild Mortgage Company offers a variety of home loan programs available at competitive rates.  Thomas will invest the time to find the best loan program for your specific home financing needs at the best rate.  Thomas is very proud that his customers are his best source of referrals because of the relationship that he has developed with them over the years.

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.

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.96 out of 5.0 stars
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5.0
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4.5
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5.0
John
Jan 26, 2026
Saint Charles, MO
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Thomas is a knowledgeable individual with evident integrity. I made brief inquiries elsewhere but since the terms Guild ...See more
Brendan &.
Jan 21, 2026
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My husband and I just bought our first home and Thomas was a wealth of knowledge and so so helpful. Ver...See more
Kayla
Jan 21, 2026
Union, MO
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My husband and I just bought our first home and Thomas was a wealth of knowledge and so so helpful. Ver...See more
Leah
Jan 21, 2026
Union, MO
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Thomas is amazing I will continue to refer my clients to him. My clients and I appreciate that he is ...See more
Valerie
Dec 19, 2025
Marthasville, MO
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Pleasant and fast response time
Peter
Dec 1, 2025
Saint Louis, MO
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Tom and I communicated back and forth over the months to try to get the best rate. I believe his knowledge of the market...See more

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Awards

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Causes & Memberships

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NMLS ID #236517

I am authorized to do business in the state of Missouri.

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