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Guild Mortgage - Heath Barnes
Branch Manager | NMLS# 210164
Texas A&M University
Heath Barnes is a Houston-based Branch Manager with Guild Mortgage, NMLS #210164. Since 2002, Heath has helped homebuyers, homeowners, Realtors, business owners, self-employed borrowers, and investors navigate mortgage financing. He special... Show More
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Business Hours
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8 AM to 5 PM
Fri
8 AM to 5 PM
Sat
closed
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Reviews from Web
I highly recommend Heath and the Cardinal Financial team. They’ve made the past two transactions with them seamless and painless. Heath, Dominick, Taylor and the rest of the team are professional, knowledgeable and always were available for...
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Reply from Owner
May 27th, 2026 08:06 AM
We're pleased to hear about your seamless and painless experiences with Heath and the team, Tyler. It's appreciated to know that their professionalism and knowledge made such a positive impact on your transactions. If you need any further assistance,...
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Highly recommend!
Reply from Owner
May 27th, 2026 08:06 AM
Thank you, Dawn, for your recommendation! We're pleased to know you had a positive experience with us. If there's anything more we can assist you with, please feel free to reach out.
I worked with Heath to place a mortgage on my first home. Although I am an attorney, I had never done this, and he walked me through it so that all went so smoothly. totally impressed with his service. We now work together on other projects...
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Reply from Owner
May 27th, 2026 08:06 AM
Thank you, Amy, for sharing your experience. We're pleased to hear that Heath's guidance made your first home mortgage process go smoothly and that his services continue to satisfy your clients. It's appreciated to have the opportunity to collaborate...
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I had a very good experience with Cardinal Financial, especially with Dominick and Taylor, both of whom were extremely knowledgeable and helpful, especially for technology related issues. The company responds promptly to inquires and requests...
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Reply from Owner
May 27th, 2026 08:06 AM
It's nice to hear about your positive experience, Cynthia. While your review seems to refer to Cardinal Financial, we're glad you found the team you worked with knowledgeable and helpful. If you ever have any questions or need assistance with...
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We’ve had the pleasure of working with Heath and his team twice now for our mortgage needs, and both experiences have been outstanding. The first time, they helped us secure a mortgage for our home in Houston, and it was a smooth, stress-free...
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Reply from Owner
November 13th, 2024 12:00 AM
Thank you for the review, Dawn! We sincerely appreciate your kind words about our team at Cardinal Financial. It's gratifying to hear that we were able to assist you through both your home and investment property transactions, especially amidst...
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Heath and Dominick (Cardinal) made it as easy as possible. I've done between probably 10 refinancings over the years. This one was by far the least time-consuming with zero unnecessary questions/requests.
Reply from Owner
November 13th, 2024 12:00 AM
Thank you for your positive feedback, Bill! We strive to make the refinancing process as seamless as possible at Cardinal Financial. We're glad to hear that Heath and Dominick made your experience easy and efficient. Your satisfaction is our...
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From start to finish Heath and Dominick were professional, available and quick on responding to any and all questions we had as we purchased our home. So much so that we have actually used them twice!
Reply from Owner
May 27th, 2026 08:06 AM
We appreciate your positive feedback, John. It's appreciated to hear that Heath and Dominick were able to assist you effectively throughout your home purchase process. We're grateful for your trust and continued support in choosing us again....
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I recently worked with Heath and Dominick for my home loan, and they were both fantastic throughout the entire process. They went above and beyond to help me secure a great interest rate and were incredibly patient with all of my questions...
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Reply from Owner
May 27th, 2026 08:06 AM
We appreciate your kind words, Onur. It's appreciated to hear that Heath and Dominick made your home loan process smooth and stress-free with their professionalism and support. Thank you for recommending us, and please feel free to reach out...
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I highly recommend Heath Barnes at Cardinal Financial. He is extremely professional, pragmatic, knowledgeable and helpful in all phases of purchasing a home--from guidance on how to make our offer stand out when there were already multiple...
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Reply from Owner
May 27th, 2026 08:06 AM
Thank you, Billy, for your thoughtful review and for highly recommending Heath. We're pleased to know that his professionalism and expertise made such a positive impression during your home purchase. It's appreciated to hear that you found...
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Cardinal team knows what they are doing. They are not your typical mom and pop lenders who have no idea what they are doing.- Document collection (very methodical)- Never had to repeat any document that I had sent- They parsed all the info...
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Reply from Owner
May 27th, 2026 08:06 AM
We appreciate your feedback, J. It's great to hear that our methodical approach to document collection and coordination made your loan process smooth and efficient. We're pleased that our team could facilitate a quick closing and provide clear...
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About
Heath Barnes is a Houston-based Branch Manager with Guild Mortgage, NMLS #210164. Since 2002, Heath has helped homebuyers, homeowners, Realtors, business owners, self-employed borrowers, and investors navigate mortgage financing. He specializes in first-time buyer guidance, self-employed borrower strategies, jumbo loans, FHA, VA, conventional financing, bank statement loans, DSCR loans, and investment property loans
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Non-QM
DSCR Loans
Self-Employed Mortgages
Specialities
Home Financing
Bridge
Conventional
Down Payment Assistance
Energy-Efficient
FHA
Jumbo
Lock and Shop
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Education
- Texas A&M UniversityBusiness AdministrationBachelor
Memberships
- Guild Giving - Do What Matters
- Guild Giving
- Growth Only Coaching
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2002
Licenses
- NMLS# 210164
Awards
2025 President's C...
Top Originators 20...
Top 1% Mortgage Or...
Achievements
- Heavy-weight boxing champion
- Hiked to the summit of the Grand Tetons
- 6x Ironman competitor
Hobbies
- Wine Tasting
- Pickleball
- Playing Piano
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Disclaimer
I am authorized to do business in the states of California, Colorado, Florida, Georgia, Indiana, Minnesota, New Mexico, South Carolina and Texas. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; NMLS ID: 210164; Guild Mortgage Company; Equal Housing Opportunity; Company NMLS ID 3274. www.nmlsconsumeraccess.org/.