--- title: "Home" url: "https://sambaugh.com/" post_type: "page" date_published: "2019-10-01T22:42:02+00:00" date_modified: "2025-04-25T23:44:11+00:00" --- # Home Flexible, Customized Home Loan SolutionsYou Can Trust Apply for loanApply for loan OR CALL US AT 858-342-9952 Our clients love & trust us! Read their reviews 5.0 5.0 Personalized Lending Options & Competitive Interest Rates At Sam Baugh Home Loans/M5 Financial in San Diego, when we work with clients, we look for flexible lending options and highly competitive rates. We are committed to providing you with financial services that you can trust, and we proudly work with a variety of clients throughout California – first time home buyers, veterans, active military, and seasoned investors. The Sam Baugh Home Loans Team offers great rates on a wide variety of loans, including: Apply Now Conventional Loans Apply Now Jumbo Loans Apply Now VA Loans Apply Now FHA Loans Apply Now Mortgage Refinancing Loans Apply Now Home Equity Loans Apply Now Non-QM Loans Apply Now Hard Money Loans Extremely professional and over the top efficient “Sam and his team were absolutely wonderful to work with. They were extremely professional and over the top efficient. I HIGHLY recommend utilizing their services. Great customer service, responsive and truly make you feel at ease during what can be a very stressful time.” —Abigail Z., Google Review His knowledge and level of service is top of the line “Working with Sam over the years has been a very rewarding experience. His knowledge and level of service is top of the line. He always finds a way to make a transaction work and has the best rates. I highly recommend him for anyone looking for financing. Thanks, Sam, you’re the best!” —Fern H., Google Review Couldn’t be happier with his professionalism and knowledge “Wow, what a seamless pain free experience. He guided us the entire way and answered every question I had very quickly. All in all we finished the refi with a lower percent and a good chunk of extra money in our pocket. We couldn’t be happier with his professionalism and knowledge, we would seek out Sam again!” —David D., Yelp Review By far the best rate with the least amount of costs “Sam was amazing! Very knowledgeable, easy to talk to and always available. He answered every question I had and got me by far the best rate with the least amount of costs (I looked everywhere). I highly recommend his services without a doubt!” —Aaron N., Yelp Review Loans Customized to Your Needs When you’re looking for a new home, finding the right lending option is essential. With Sam Baugh Home Loans, we understand how important it is to match our clients with the right residential loans; and that’s why we make it a top priority to listen to our clients’ needs and offer financial solutions they can trust. To get started, call us at 858-342-9952 or apply for a loan today! Apply for loan A Hands-On Approach to Finding the Right Home Loan As an independent broker, we go above and beyond to shop for the best rate and fee structure available on the open market, and our transparent, hands-on approach to every client is the cornerstone of our business. Whether it’s helping you purchase your dream home or working with you to refinance your first mortgage, we’ll be with you every step of the way. Because we take a unique and customized approach to each client, we can help better serve your needs, meet your financial goals, and save you money in the long run; whether it’s through refinancing or helping you purchase your dream home. To get started, apply for a loan or give us a call at 858-342-9952. About Sam Baugh Senior Loan Officer NMLS #291966 DRE #01869160 858-342-9952 sam@sambaugh.com 5150 Shoreham Pl, Suite 250 San Diego CA 92122 Office Hours: Mon - Fri, 8am - 8pm Sam is a proud native San Diegan, and grew up in Solana Beach. After attending the University of San Diego, he started his mortgage career in 2005 working for a small mortgage brokerage. He continued building his business and achieved Top 10 Company-Wide in Closed Volume (with over 50MM in closed volume) in 2019; Top 1% of Originators Nationwide 2019; and Top 1% of UWM Brokers Nationwide 2019. More recently, Sam has been working for M5 Financial Corporation, a hybrid mortgage broker/bank institution. Get Started on Your Home Loan Today There are hundreds of things to take into consideration when purchasing a home, and we’re here to help you make the right decisions when it comes to finding the right home loan solution. Apply for loan 858-342-9952 M5 Financial: NMLS #2399488DRE #02199377 Visit the M5 Financial website. Visit the NMLS Consumer Access website. This 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.