GuaranteedRate Logo

Sam Baugh

Branch Manager
1808 Aston Ave, Ste 200, Carlsbad, CA 92008
Contact Sam
NMLS: 291966
Ready to start your Digital Mortgage?
Apply now

TestimonialsCustomer testimonials Read more

Sam and his team were very quick to answer any question or comment that I had, and made the whole process very easy for us. Kudos!

Patrick M.-Escondido,CA | MAY 2016

Sam Baugh was great! Would definitely recommend him.

Benjamin H. – Cardiff by the Sea, CA | AUG 2

Sam worked harder than the rest to make our loan work.

Brian A.– san marcos, CA | July 2015

We feel as though we have a trusted relationship with Sam Baugh. Sam and his team have completed three separate transactions for us now, each with tremendous efficiency!

Anthony C. – Fallbrook, CA | JULY 2015

Sam Baugh was top notch and was easy to work with.

London F. – Carlsbad, CA | May. 2015

Sam and his team offered lots of support to us through the process. They went above and beyond. The process was easy and straightforward.

Gina P. -- San Diego, CA, 2/5/2014

"I worked with Sam Baugh for refinancing to a 7/1 ARM and had a great experience with him because of the following: 1. He was always very responsive (over email or phone), getting back to me with answers/suggestions within an hour or so. 2. He was available even after hours and over weekends 3. He was willing to work with escrow to resolve differences in closing costs. The whole process was very fast, streamlined and well managed."

Bhaskarjyoti B. -- San Diego, CA -- 6/ 2013

“We had a great experience refinancing our home mortgage with Guaranteed Rate. This is not something we've done very often, so we required a little more "hand holding" than others might have. The team we worked with was patient, helpful, knowledgeable and friendly from start to finish. Thank you to Sam Baugh and Guaranteed Rate for their help!”

Brandon S. – Oak View, CA – 10/2013

“Sam Baugh did a great job! I was very pleased with the service I received and would recommend him again!”

Tom B. -- Carlsbad, CA – 7/2013

Hey, check out this amazing review from Linden about Sam! “I had an excellent experience with Sam Baugh and his team here in San Diego. As a first time home buyer, I was a bit nervous about the process but they made it easy, fast and painless. The rate they got me was pretty amazing and all of my friends/neighbors agree!”

Linden E. – Chula Vista, CA – 4/2013

Hey, check out this amazing review from Peter about Sam! “There were all sorts of hurdles, twists and turns throughout our process and I was sure this deal was going to collapse several times. My refinance was as difficult as they come but Sam Baugh and his team kept my deal moving forward through thick and thin! I am grateful for their professionalism and determination! Thanks again, Sam!”

Peter K. – San Diego, CA – 4/2013

Hey check out the amazing review from Patricia about Sam! “Recommended through a business friend associate, everyone I dealt with in the process was responsive and very competent. Sam at Guaranteed Rate keeps his clients satisfied. Thanks again Sam!”

Patricia W. -- El Cerrito, CA -- 02/2013

Sam Baugh was Excellent, very satisfied and I already referred 2 people to Sam Baugh as a result of his effective, hard- working and pleasant services and stewardship.

Carla B. - Carlsbad, CA 7/2012

About Sam

The Three Most Common Refinancing Mistakes To Avoid

If you're like many homeowners out there, you may be thinking about taking advantage of the low mortgage rates out there and refinance your home loan. If so, make sure you avoid these three common mistakes refinancers make:1. Refinancing When You Shouldn'tMaybe your neighbor told you about the amazing low rate they refinanced with, or the news you’re seeing on our Facebook and Twitter is just making you anxious to join the party. Before you jump the gun, do some homework and make sure it’s the right move. Figure out the breakeven point for when savings outweighs the cost of refinancing. More importantly, determine how long you plan to stay in your current home ”“ it’s usually a mistake to refinance on a home you’re not planning on staying in for several years.2. Choosing the Wrong Loan TypeAfter you figured out you want to refinance, take time to establish what your objective is. Do you want to lower your overall payment regardless of the length of the loan? Do you want to be debt-free by a certain year? Consider the cost of the refinance in comparison to the financial benefits ”“ is it worth it? Once you’ve answered these questions, talk to one of our loan officers to hear what type of loan will help you accomplish your goals.3. Not Knowing Your Real RatesWhen you’re looking at rates, make sure you’re comparing your APR (annual percentage rate) to know what your true rate will be. Check out our website to see a comparison of rates from various lenders to see which lender offers you the best rate.To find out what rate you qualify for, call me at (858) 342-9952.

See how easy the Digital Mortgage works

Today’s rates

Loan Type Rate APR

*Rates may vary by state. Please see Assumptions for more details.

Check rates and get approved online right now in just minutes! Or give me a call and I’ll answer your questions and guide you through the process!

Our Intuitive Loan Finder lets you sort by lowest monthly payment, lowest interest rate or the right loan term.

Explore loan options

Start your Digital Mortgage

Apply now