Contact Me
hero image
Homeownership Through Education

Guiding You Every Step of the Way

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

With nearly three decades in the mortgage world, I've seen it all - booms, busts, and everything in between.  In that time, I discovered that educating homebuyers is what I enjoy most about working in this industry.   Whether someone is buying their first home or refinancing for the third time, I take the time to break down the process, explain the options, and answer every question.  My goal is to make sure the homeowner walks away with keys in hand and a clear understanding of how and why the loan works for them.

When I'm not helping clients navigate the path to homeownership, you'll find me spending time with my family, cooking for them, or traveling - especially to the beach.  My wife of 36 years and I have a family of two children and their spouses, six granddaughters, and soon we will welcome a great-grandchild - the first boy in 31 years.
Not only have I seen a thing or two in the mortgage business, but I have seen a thing or two in my travels.  If you know the Biles family, you know that friends and family call our travels "The Biles Adventures." My wife and I were on the 'Poop Cruise', if that tells you anything!  We have had some interesting trips for sure.

Buying a home is an adventure.  I thrive on the adventure and am honored to help you on your journey to homeownership, turning what can feel overwhelming into an exciting and rewarding experience.

Read Blog

Meet my team

Team Logo

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

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.

Product Info

homebot-logo

home equity insights

For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.

X
X

Testimonials

Testimonials
4.98 out of 5.0 stars
5.0
4.96
5.0
Jenn
Oct 30, 2025
Montague, TX
Verified

Thank You Scott & Tim for another wonderful transaction. Your team was the perfect choice for my first time home buyers in Montague. Scott, your communication and explanations were spot on for this couple and Tim, you were a huge asset in our closing. Thank you to the both of you for helping me do my job to the best of my ability.
Mary M
Oct 31, 2025
Verified

We have purchased several houses and this by far was the best mortgage experience we’ve had. We won’t hesitate to recommend Tim Biles/Scott Stephens and Guild mortgage at every opportunity.
Mary
Oct 30, 2025
Bowie, TX
Verified

From the beginning of the process to the funding of our loan it was flawless. We have purchased several homes and this was the best mortgage experience we've had. We won't hesitate to recommend Guild Mortgage anytime we get the opportunity.
Lesley
Oct 30, 2025
Bowie, TX
Verified

I always have a wonderful experience with Tim and the Guild Mortgage Team. I know that my clients will always receive exceptional service, and communication from Tim Biles. He absolutely stands out above the rest with his amazing knowledge and ability to make clients feel at ease with the mortgage process.
Natalie
Oct 28, 2025
Gainesville, TX
Verified

I love working with Tim, Scott and staff...they are very knowledgable, quick to respond and so easy to work with!
John
Oct 28, 2025
Wichita Falls, TX
Verified

always fast to respond to any of our questions and very friendly staff

Video gallery

View More

Awards

Scotsman Guide Award

Causes & Memberships

member of Guild Giving
NMLS ID #674159
I am authorized to do business in the states of New Mexico, Oklahoma and Texas.