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About me

My professional passion is to help others fund the American Dream. I am dedicated to providing first-class customer service.Read more

My professional passion is to help others fund the American Dream. I am dedicated to providing first-class customer service. My commitment to my clients is to guide you to the result you are looking for in a smooth and professional manner by being transparent and providing constant communication.

I believe education is key and buying a home can be a bit overwhelming at times, but I am here to guide you through the process one step at a time. I help my clients choose the best loan option by evaluating your short- and long-term goals.

My business is built on the referrals of past clients, and I love meeting new families who have been recommended by those I have helped in the past. Since my clients are family to me, I believe it's essential to exceed expectations. Watching our communities thrive as result of my passion as a mortgage lender is truly what I live for.

When I'm not in the office I also enjoy golfing, hiking, snowmobiling, running, and spending time with my family & friends.

Awards

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Causes and Memberships

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Testimonials

4.93 (84 reviews)
Experience logo
4.9
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5.0
Third party logo
4.9
Reponce time was always great, they did a great job explaining things when I had questions.
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Josue

Feb 25, 2026

Prineville, OR

Sarah and her team are fantastic all the way around. They communicate and keep everyone up-to-date consistently, and provide a tremendous amount of knowledge while staying ahead of what's needed. I've worked with Sarah on many different transactions, and there's nobody else I'd rather recommend.
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Victor S.

Feb 24, 2026

Team Logo

Meet our team

I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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Kelly Baer

Loan Officer | NMLS #1241335

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Tonya Higson-Hecker

Originating LOA | NMLS#248680

Ready to get started?

Get in touch to discuss your home financing goals and explore next steps together.

Office Hours

Monday - Friday

Saturday

Sunday

8:00AM - 5:00PM

Closed

Closed

Monday - Friday

8:00AM - 5:00PM

Saturday

Closed

Sunday

Closed

NMLS ID #1622889

I am authorized to do business in the states of Arizona, California, Montana, Oregon and Washington. AZ BK#0018883; AZ BKBR# 0123529; AZ LO Lic.# 1020602; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; Branch NMLS ID 1152036; OR ML-176;

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Find the loan that works for you

See what we offer

Whether you’re buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs designed to meet different needs and situations.

See all loan programs

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