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Select from hundreds of loan products tailored to your needs

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

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.

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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.

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Testimonials

Testimonials
4.99 out of 5.0 stars
4.96
5.0
Elizabeth
Oct 04, 2025
Wentzville, MO
Verified

Thomas was very straight forward and forthcoming with information . He insured that we clearly understood the terms and conditions every step of the way
Rebecca
Oct 04, 2025
Wentzville, MO
Verified

Always enjoy working with Thomas Cobb!!
Marilyn
Oct 04, 2025
Wentzville, MO
Verified

Communication was good and everything flowed smoothly. Always available to answer questions etc.
Timothy
Sep 29, 2025
Winfield, MO
Verified

Thomas and crew are delightful to work with...
Dan M
Sep 30, 2025
Verified

Working with Guild Mortgage and Thomas Cobb was very easy; they know the system well and find ways to make your purchase quick and painless.
Cecil
Sep 29, 2025
Hazelwood, MO
Verified

The experience was very informative and relaxed, and they helped us with any problems that arose. They were very eager to fix the problems quickly and correctly.

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Awards

Scotsman Guide Award

Causes & Memberships

member of Guild Giving
NMLS ID #236517
I am authorized to do business in the state of Missouri.