One Advisor.
National Reach.
Exceptional Outcomes.
I'm Andrew Baker — a mortgage loan originator with access to 175+ lenders across 33 states and a licensed California Realtor based in Orange County, CA. Whether you're purchasing your first home, refinancing to save thousands, or tapping your equity with a HELOC or HELOAN, I personally guide every client from application to closing. No hand-offs, no runaround — just one dedicated team fighting for your best rate.
Not a Faceless Lender.
Your Personal Advisor.
When you work with me, you're not getting handed off to a processor you'll never meet. I'm your single point of contact from the first phone call through closing day — and beyond. I shop your loan across multiple lenders to find the right fit, and as a licensed California Realtor, I can represent you on the property side too.
I specialize in three things and do them well: helping people buy homes, helping homeowners refinance intelligently, and helping clients access their home equity when they need it.
Licensed in 28 States
Mortgage Loan Originator – CA Realtor
Want more Information?
I'll personally reach out with your options. No hard credit checks, no obligation, no hard sell.
Already Have a Loan Estimate? Let Me Beat It.
Upload your current Loan Estimate and I'll review it personally. If I can offer a better rate, lower fees, or save you money — I'll show you exactly how.
Upload Your Loan EstimateYour documents are sent directly to Andrew Baker via our secure upload portal and kept strictly confidential.
Four Things. Done Right.
I focus on where I deliver the most value. For commercial, investment, or reverse mortgage needs, I connect you with trusted specialists.
Home Purchase
Buying your first home or your next one — I shop across multiple lenders for the most competitive rate and guide you through every step.
- Conventional & Jumbo
- FHA & VA
- Pre-approval letters
- Buyer representation (CA)
Refinancing
Lower your rate, shorten your term, or restructure your debt. I analyze your current mortgage and present options that actually save you money.
- Rate & term reduction
- Cash-out refinance
- Debt consolidation
- Remove PMI
- Reverse mortgage
Home Equity
Your home has value — put it to work. HELOC and HELOAN products give you flexible access to funds for renovations, debt consolidation, investments, or major expenses.
- HELOC (line of credit)
- HELOAN (home equity loan)
- Home improvement funding
- Investment capital access
Non-QM & Specialty
Self-employed, investor, or non-traditional income? When conventional lending says no, non-QM programs open doors — with flexible documentation and creative qualifying.
- Bank statement loans
- DSCR (investor)
- Asset depletion
- Foreign national
- Recent credit events
Four Steps to Closing
From first call to closing day, I handle the complexity so you don't have to.
Free Consultation
We talk about your goals, timeline, and financial picture. No pressure — just clarity.
Complete an Application
Submit your documents and application online. I review your financials and get you pre-approved.
Loan Shopping
I compare rates across multiple lenders and present you the best options.
Close & Celebrate
I coordinate with all parties for a smooth closing. You get the keys.
What Clients Say on Experience.com
4.96-star rated on Experience.com from 14 verified reviews. Here's what borrowers have to say.
Ready to Get Started?
Fill out our quick form or apply directly through one of our lender portals.