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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 (88 reviews)
Experience logo
4.9
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5.0
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4.9
Great team at Guild! They made our house purchase experience go really smoothly!
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Tracy G.

Mar 26, 2026

we really appreciated how easy our house purchase process was. Sarah kept a gentle hand on us by communicating all the steps along the way, as this process can be kinda stressful. We never felt stressed or overwhelmed. She and her team were excellent!
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Tracy

Mar 26, 2026

Bend, OR

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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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