Torrance Mortgage Loan Originator

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

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

Mortgage Loan Originator Serving Torrance, CA

Andrew Baker is a licensed mortgage loan originator serving Torrance and the greater South Bay 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. Torrance and the South Bay corridor offer strong schools and rising values, with conventional and jumbo programs in high demand.

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 Torrance Quote

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

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