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Heath Barnes
Branch Manager
NMLS# 210164Let’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
The rating and reviews below represent my top
reviews.
Read all customer reviews here.
4.58 out of 5.0 stars




Richard
Feb 25, 2025
Katy, TX
Verified
I consider myself quite fortunate to have had the opportunity to work with with my team at Guild Mortgage. Every question I ever had was quickly answered, and questions I had not thought of were addressed and answered before I could thinking of asking them. Heath, Taylor, and Dominick all managed to earn my trust immediately by establishing that they all truly knew what they were talking about and letting me know at every turn that they had my best interests at heart. This commitment to my needs continued all the way through my closing, making the entire experience proceed more smoothly than I could have ever imagined.
Steve
Feb 25, 2025
Houston, TX
Verified
All questions were addressed promptly accessible
Lynnea
Apr 25, 2024
Houston, Texas
Verified
Taylor Horton, the loan officer I worked with was fantastic - he took the time to explain all my options clearly and answered all my questions promptly. Not only did Cardinal offer competitive rates, but they also provided a seamless and efficient experience. The online portal made it easy to submit documents, track my application progress, and communicate with the loan officer. I felt well-informed and supported at every stage of the process.
Craig
Mar 09, 2024
Verified
If you’re looking for a lender who is going to go above and beyond for you, look no further! Heath and his team do a fantastic job of understanding the goal you want to accomplish. I’ve never had someone stay in contact and update me through the entire process. They take the stress off you and make the home buying process a breeze.
Carla
Feb 29, 2024
Verified
Heath and his team were creative in finding a way to secure a mortgage for me. They were deeply engaged in the process, moving quickly and decisively. The process from application to closing took only three weeks. The team helped me find insurance in a challenging location. Above all, they treated me as though they were helping a friend. Outstanding in all respects.
Lori
Feb 06, 2024
Verified
The team was extremely helpful and professional. They ensured that I was able to close on my house no matter how hard the builder was making the situation.
NMLS ID #210164
I am authorized to do business in the states of Georgia, New Mexico and Texas.
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