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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
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closed
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Reviews from Web
I used the Barnes Team for my first home purchase. The team was experienced, attentive and walked me through every step of the process. Dominick made sure we were fully informed from start to finish and explained everything thoroughly. We would...
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Reply from Owner
May 29th, 2024 12:00 AM
We love receiving this kind of feedback, Michael! Thanks for taking the time to share your positive experience with the Cardinal Financial loan team. We couldn't be happier to help you purchase your first home. Don't hesitate to reach out if...
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Heath Barnes and his team were recommended by our real estate agent. We are glad that we worked with them. The preapproval process was very smooth and transparent. During last phases of underwriting process before closing, there were some "snafus",...
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Reply from Owner
May 27th, 2026 08:06 AM
We appreciate your positive feedback, Gokce. It's nice to hear that the preapproval process was smooth and that our team could assist in resolving any issues during underwriting. Thank you for recommending our team.
My husband and I met Heath about two years ago by a recommendation from a friend. Since that time, Heath and his team kept contact to check in to see when were ready to buy a home. When we finally found the perfect home, Heath and his team...
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Reply from Owner
May 27th, 2026 08:06 AM
Thank you, Ashley, for sharing your appreciated experience with our team. We're glad to hear that the seamless process and flexible communication met your needs. It's great to know that the team's creativity and dedication made a positive impact...
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Heath and his team were AWESOME! They were professional, punctual and their attention to detail is TOP NOTCH. Dominick and Taylor are both amazing! I especially appreciate the way Dominick walked me through every step of the process. My loan...
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Reply from Owner
May 9th, 2024 12:00 AM
Thank you for letting us know about your positive loan experience with Heath and the Cardinal Financial team, JC. We’re so grateful for your business and the opportunity to serve your future recommendations as well!
The group made this process very easy to understand and were cordial at our in person meetings. They were able to rate match with an offer from a larger firm to get us the best rate.
Reply from Owner
May 27th, 2026 08:06 AM
We're grateful for your feedback, Thomas. It's great to hear that our team made the process easy to understand and provided a cordial experience during your meetings. We're pleased that we could match the rate to offer you the best deal. If...
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Awesome to work with great communication and gets the job done, made the process really smooth, I highly recommend Heath and his team Taylor and Dominick!!
Reply from Owner
May 27th, 2026 08:06 AM
Thank you, Tracy, for your positive feedback. We're glad to hear that Heath, Taylor, and Dominick provided great communication and made the process smooth for you. Your recommendation is greatly appreciated!
Heath and his team were excellent to work with. They really helped streamline our home buying and lending process, and we were able to enjoy the experience! We will definitely work with them when we are looking to buy again!
Reply from Owner
May 27th, 2026 08:06 AM
We're grateful for your kind words, Ricki. It's appreciated to know that our team could make your home buying and lending process enjoyable and efficient. We look forward to working with you again in the future!
Cardinal financial was very responsive to my needs when problems arose during my home buying process.
Reply from Owner
May 27th, 2026 08:06 AM
We appreciate your feedback, Kevin. It's nice to hear that our team was responsive to your needs. If there's anything more we can do for you, please let us know.
Heath and his team are incredible! Each member was very patient through this process and made it less stressful. Dominick was on top of everything and walked me through every piece of paperwork to make sure I understood everything. I just can’t...
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Reply from Owner
May 27th, 2026 08:06 AM
We appreciate your appreciated feedback, Jacintha. It's great to hear that Heath and the team, especially Dominick and Taylor, were able to make your first home-buying experience smooth and stress-free. Thank you for choosing us for your mortgage...
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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...
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Reply from Heath Barnes
May 20th, 2026 08:38 PM
We're pleased to hear that Taylor and our online portal contributed to a seamless and efficient experience for you, Lynnea. It's great to know you felt well-informed and supported throughout the process. If you have any further questions or...
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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/.