San Jose Mortgage Loan Originator

Local guidance for San Jose buyers, homeowners, and investors — with your loan shopped across the wholesale market.

Other California CitiesAliso Viejo · Anaheim · Bakersfield · Carlsbad · Corona · Costa Mesa · Dana Point · Fresno · Fullerton · Huntington Beach · Irvine · Laguna Niguel · Lake Forest · Long Beach · Los Angeles · Mission Viejo · Newport Beach · Ontario · Orange County · Pasadena · Rancho Santa Margarita · Riverside · Sacramento · San Clemente · San Diego · San Francisco · Temecula · Torrance · Tustin · Yorba Linda

Serving all of California — see programs, licensing and other California cities.

Mortgage Loan Originator Serving San Jose, CA

Andrew Baker is a licensed mortgage loan originator serving San Jose and the greater Silicon Valley area. With access to 175+ wholesale lenders through West Capital Lending, Andrew shops your loan across the entire market — not just one bank's products. Whether you're a first-time buyer, refinancing to lower your rate, tapping equity with a HELOC, or investing in rental property, Baker Lending Powered by West Capital Lending, Inc. delivers competitive rates backed by personal service. Silicon Valley's tech workforce often benefits from bank statement loans for stock-compensated employees and self-employed founders.

Loan Programs

✓ Conventional (3% down)
✓ FHA (3.5% down, 580 score)
✓ VA (0% down, no MI)
✓ Jumbo (above $806,500)
✓ HELOC & HELOAN
✓ DSCR Investor Loans
✓ Bank Statement (self-employed)

Why Baker Lending Powered by West Capital Lending, Inc.

✓ 175+ wholesale lenders
✓ Lower rates than retail banks
✓ One application, multiple offers
✓ Licensed in California and 32 other licensed states
✓ 4.96★ on Experience.com
✓ Close in 21–30 days
✓ Direct access: (949) 565-2705

Get a Free San Jose Quote

Andrew Baker · NMLS 2688601 · (949) 565-2705

Ready to Get Started?

Fill out our quick form or apply directly through one of our lender portals.

Apply Online Save My Contact Secure Upload Schedule a Meeting