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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
Tues
8 AM to 5 PM
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
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Reviews from Web
We recently had the pleasure of working with Heath and his team, in collaboration with our exceptional realtors, Vikki and Rich Evans, to purchase a townhouse for my son. Despite the short notice, Heath and his team did an outstanding job in...
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Reply from Owner
May 27th, 2026 08:06 AM
Thank you, Meftun, for sharing your appreciated experience with us. We're pleased to hear that Heath and his team, along with Dominick, were able to meet your needs and make the process smooth for your son's townhouse purchase. It's good to...
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We had the pleasure of working with Heath and his outstanding team, introduced to us by our exceptional realtors, Vikki and Rich, to purchase a townhouse for my son. Despite the short notice, Heath and his team exceeded our expectations in...
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Reply from Owner
September 27th, 2024 12:00 AM
Thank you for your kind words and recommendation! It was our pleasure to help provide a smooth and stress-free experience while assisting your son with his first home purchase. We look forward to working with you and your son again in the future...
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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
September 27th, 2024 12:00 AM
Thank you for your kind words about Cardinal Financial! We're thrilled to have closed your loan in less than 18 days while keeping you informed throughout the process. Your satisfaction is our priority and we appreciate you letting us know...
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From the beginning, we had a lot of financial issues that we were in coming with that we didn’t know or expect that would make it hard to close on a house, but Heath, Dominick and the team at Cardinal financial found every single avenue to...
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Reply from Heath Barnes
May 20th, 2026 08:58 PM
Thank you for sharing your experience, Danny. We're grateful to hear that Heath and the team at Guild Mortgage, along with Dominick and Cardinal Financial, were able to assist you through the financial challenges and help restart your LLC....
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Dominick at Cardinal Financial Systems was fantastic! He helped me access my loan quickly and efficiently. His professionalism and friendliness made the process smooth and stress-free. Highly recommend!
Reply from Owner
May 27th, 2026 08:06 AM
Thank you for sharing your positive experience, Kenneth. It's nice to hear that Dominick at Cardinal Financial Systems made your loan process smooth and efficient. If you need any further assistance, please feel free to reach out.
I was introduced to Heath and Cardinal Financial through my realtor. He and his team helped me to get into my home, despite some pretty big hurdles. 5 stars all the way!
Reply from Owner
May 27th, 2026 08:06 AM
We're grateful for your positive feedback, Dana. It's appreciated to know that Heath and our team could assist you in overcoming challenges to get you into your home. If you ever need further assistance, please don't hesitate to reach out.
The Cardinal Financial Team is absolutely amazing! From the beginning to the end, they were very attentive to all of our requests/questions and did a fantastic job explaining everything. We highly recommend them!!
Reply from Owner
May 27th, 2026 08:06 AM
Thank you for sharing your positive experience, Ali. We appreciate your recommendation and are pleased to know that the team was attentive and thorough in addressing your requests and questions. If you have any further feedback or need assistance,...
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The Cardinal Financial Team was extremely helpful and patient with us. They helped us every step of the way and did an amazing job explaining everything. We highly recommend them!
Reply from Owner
July 2nd, 2024 12:00 AM
Thank you for sharing your experience with the Cardinal Financial loan team, Ali! We're always here to help if you need anything in the future!
Heath and his associates were amazing and super helpful throughout our home loan process— quick to respond to all of our questions and went above & beyond to make sure that we were informed and comfortable with everything. Would highly recommend...
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Reply from Owner
May 27th, 2026 08:06 AM
Thank you for sharing your experience, Ariana. We're happy to hear that Heath and the team were helpful and responsive during your home loan process. If there is anything more you need, please feel free to reach out.
Heath and Dominick were so helpful throughout the whole process of buying my house. Even now, two years later, if I have questions or concerns, they are there for me.
Reply from Owner
May 27th, 2026 08:06 AM
We're grateful for your kind words, Teresa. It's wonderful to hear that our team has been supportive during your home-buying journey and continue to be there for you even now. If you have any more questions or need assistance, please feel free...
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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/.