Sam Baugh M5 Financial - Mortgage Broker
Independent MLO
University of San Diego
I have been in the industry since 2005 and worked for every type of lending platform from direct mortgage banker, big bank, to now where I started as a mortgage broker.
Location & Business Hours
Business Hours
Thu
8 AM to 9 AM
Fri
8 AM to 9 AM
Sat
8 AM to 9 AM
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Reviews from Web
I learned about Sam and M5 financial through my realtor last summer. He helped me get my home loan in the summer, and when rates dropped this past December, he helped again to re-finance to a lower rate.Sam and his team are best in the industry....
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Reply from Sam Baugh M5 Financial - Mortgage B...
January 30th, 2026 05:41 PM
It's encouraging to learn how effective and supportive you found the process with me, Brandon. I'm glad I could assist with both your initial home loan and the refinancing later on. Helping you navigate the financial aspects of home buying...
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Great team. Highly recommend
Reply from Sam Baugh M5 Financial - Mortgage B...
January 2nd, 2026 04:09 PM
Thanks Anton! It was a pleasure working with you and getting this done so fast.
Sam staff was very easy to work with and timely. They were able to get the loan done in the short timeframe with incredible results. I would highly recommend this team for your next purchase.
Reply from Sam Baugh M5 Financial - Mortgage B...
December 23rd, 2025 10:42 PM
Thank you, John, for the review. Your proactive approach helped make the process smooth and efficient. Congratulations on your new home, and please don’t hesitate to reach out if you need anything in the future.
Sam puts in the work to find the best possible product for each individual financial situation and is always available to answer any questions. His team is dedicated to getting the job done and removing the potential stress from the home buying...
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Reply from Sam Baugh M5 Financial - Mortgage B...
December 23rd, 2025 10:23 PM
Thank you, Becca, for the feedback. We truly value the partnership and make a strong, effective team. We look forward to building on this momentum and to an even more successful 2026 together with you and Scot.
Sam and his team did a great job! They were highly involved throughout the process and were always prompt and professional whenever needs arose
Reply from Sam Baugh M5 Financial - Mortgage B...
December 19th, 2025 04:52 PM
Thank you so much for the kind feedback Brock. I truly appreciate it. I’m glad to hear you were happy with the service and felt supported throughout the process. Wishing you all the best in this exciting new chapter. Please reach out if you...
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I can’t say enough great things about working with Sam. From start to finish, the entire mortgage process was smooth, professional, and stress-free. Sam was always patient, knowledgeable, and took the time to explain every step, which made...
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Reply from Sam Baugh M5 Financial - Mortgage B...
December 18th, 2025 04:35 PM
Thank you so much for your kind words. I’m really glad to hear the process felt smooth and stress-free. It truly means a lot to know you felt supported every step of the way, and I appreciate the trust you placed in me. If rates drop in the...
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Sam helped us refinance our home recently and I could not be more impressed with him and his team. They were organized, communicated well, friendly and very knowledgeable. We were very happy with Sam’s expertise helping us lock in a rate at...
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Reply from Sam Baugh M5 Financial - Mortgage B...
December 18th, 2025 04:37 PM
Thank you for the kind feedback. I’m glad to hear the process met your expectations and that our communication was helpful. It was a pleasure working with you, and I truly appreciate the opportunity. Call me if you need anything.
I had the privilege of working under his wing and learned so much during that time. He is incredibly knowledgeable, experienced, and always friendly and approachable. He does a great job taking care of his clients and explaining the process...
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Reply from Sam Baugh M5 Financial - Mortgage B...
December 18th, 2025 08:00 PM
Thank you so much for your kind words! It was truly a pleasure working with you. Wishing you all the best moving forward!
Sam was phenomenal to work with. 100℅ would recommend to friends ans family.
Thank you Sam!
Reply from Sam Baugh M5 Financial - Mortgage B...
December 17th, 2025 10:37 PM
It means a lot to hear that you had a positive experience working with me, Vu. I’m grateful for your kind recommendation and thankful I had the opportunity to support you. Thank you for your support!
Sam is always the best! Will definitely continue to work with him in the future.
Reply from Sam Baugh M5 Financial - Mortgage B...
December 11th, 2025 10:39 PM
Thank you, Joe! I really appreciate your kind words and your trust. Looking forward to doing more together!
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About
I have been in the industry since 2005 and worked for every type of lending platform from direct mortgage banker, big bank, to now where I started as a mortgage broker.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
Conventional Loan
FHA Loans
VA Loans
Jumbo Loan
Home Equity Loan
Hard Money Loans
Non-QM Loans
Refinancing Loans
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Education
- University of San DiegoAug 2001 -Jun 2004
Positions
- M5 Financial - Mortgage Loan Originator
- M5 Financial, Inc - Independent MLO
Memberships
- University of San Diego Alumni Association
- NMLS
- La Valle Men's Club
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2005
Licenses
- NMLS #291966
- DRE #01869160
Awards
NSSA Two Time Surf...
Achievements
- 2022 Top 100 Brokers according to Scotsman Guide
Hobbies
- Golf
- Surfing
- Fitness
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Disclaimer
his licensee is performing acts for which a real estate license is required. M5 Financial is licensed by the California Bureau of Real Estate, Broker # 02199377; NMLS #2399488. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. M5 Financial is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the state of California.
M5 Financial is approved to originate VA and FHA loans, and has the ability to broker such loans to VA and FHA approved lenders. M5 Financial is not acting on behalf of or at the direction of HUD/FHA or the VA.