Jeff Baxter - Guild Mortgage - Home Loans

05/04/2026

Q: What credit score do I really need to buy a home?
A: You don’t need perfect credit to buy a home. There are loan programs available with scores in the 600s, and sometimes even lower depending on the scenario. That said, your credit score does impact your interest rate and options, so I always help clients understand where they are and what small improvements could make a big difference.

04/23/2026

Q: How much house can I actually afford vs what I’m approved for?
A: Great question—and honestly one of the most important ones. What you’re approved for and what you should be comfortable with can be two very different numbers. I help clients look at the full picture: monthly payment, lifestyle, future plans, and financial goals. The goal isn’t just getting approved—it’s making sure the home still feels like a good decision a year (or five) from now.

03/23/2026

5.0 star review received on Experience.com for Jeff Baxter by Gregory F - Jeff did a great job on our loan three years ago and why would you mess with perfection: quick, professional, and knowledgable.

Click to see all 125 reviews of Guild Mortgage - Jeff Baxter, Sr. Loan Officer | NMLS # 1678307

02/26/2026

5.0 star review received on Experience.com for Jeff Baxter by Crystal K - I was kept informed about every step of the process, I never had to wonder what was going on. Buying a home can be stressful but your team were responsive to my questions. It really eased my anxiety during the whole process. Thank you so much.

Click to see all 123 reviews of Guild Mortgage - Jeff Baxter, Sr. Loan Officer | NMLS # 1678307

12/28/2025

5.0 star review received on Experience.com for Jeff Baxter by Greg G - Jeff is the best thank you for being awesome and super attentive and patient during this process

Click to see all 121 reviews of Guild Mortgage - Jeff Baxter, Sr. Loan Officer | NMLS # 1678307

12/24/2025

5.0 star review received on Experience.com for Jeff Baxter by Yesay S - Jeff was a pleasure to work with, communication was key and delievered not on time but early! Love to work with you again!

Click to see all 120 reviews of Guild Mortgage - Jeff Baxter, Sr. Loan Officer | NMLS # 1678307

12/18/2025

5.0 star review received on Experience.com for Jeff Baxter by Kimberly H - Personal, knowledgeable and available

Click to see all 119 reviews of Guild Mortgage - Jeff Baxter, Sr. Loan Officer | NMLS # 1678307

12/18/2025

5.0 star review received on Experience.com for Jeff Baxter by Michael H - We have used Jeff for a re-fi and two purchase loans. The experience has always been fantastic -- I wouldn't consider using anyone else.

Click to see all 119 reviews of Guild Mortgage - Jeff Baxter, Sr. Loan Officer | NMLS # 1678307

12/02/2025

5.0 star review received on Experience.com for Jeff Baxter by Carrie F - Jeff Baxter is truly exceptional. As a top-producing agent with 22+ years in the industry, I’ve worked with many lenders — and Jeff stands in a league of his own. He takes incredible care of my buyers, communicates flawlessly, and consistently turns what should be stressful into a smooth, enjoyable experience.
I know I never have to worry when Jeff is on the file. He makes the impossible possible, solves problems before I even know they exist, and treats every client with warmth, professionalism, and genuine care. He’s the kind of lender who elevates every transaction.
If you want a lender who delivers results, peace of mind, and five-star service every single time, Jeff is your guy. Highly recommend!

Click to see all 115 reviews of Guild Mortgage - Jeff Baxter, Sr. Loan Officer | NMLS # 1678307

11/07/2025

5.0 star review received on Experience.com for Jeff Baxter by Philipp K - Jeff worked really hard to make the new house possible for us. He communicated great and led us through the proces. Thank you!

Click to see all 113 reviews of Guild Mortgage - Jeff Baxter, Sr. Loan Officer | NMLS # 1678307