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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.
5.0 out of 5.0 stars
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5.0
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5.0
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5.0
Valerie
Dec 9, 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
Peter Z.
Nov 20, 2025
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Great agent; reliable company
Cathy
Nov 17, 2025
O Fallon, MO
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The loan officer was very helpfu. He made us feel comfortable throughout the entire proces.
Cynthia
Oct 17, 2025
Saint Peters, MO
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Thomas was thorough and very easy to work with.
Mary C.
Oct 17, 2025
Saint Louis, MO
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Thomas was extremely pleasant to work with and made himself available for anything I might have needed. He was proactiv...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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