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About Us

Our team believes that every successful mortgage transaction is based on establishing a strong relationship with the client. When you come to us for your mortgage, we begin by listening. We want to understand your goals and priorities so we can offer a home loan that is right for you.

Availability

Whether you prefer to communicate by phone, email, text message, or in-person, you can contact me quickly and directly at any point in your transaction, including evenings and weekends.

Access to Programs and Pricing

New mortgage products are introduced in Southern California on a monthly basis. A typical bank can only provide a very limited number of financing options. Since we are a direct lender as well as a mortgage broker, you have the ability to access a vast array of loan products at competitive rates, from Jumbo programs with less than 20% down, to financing for self-employed homebuyers who qualify best with bank statements.

Communication During the Loan Process

Effective communication helps reduce stress. During your transaction, I provide detailed weekly status reports so you and your agent know exactly where we are in the process, as well as what’s coming up. I’ve also created my very own software that tracks your transaction and sends you email notifications when each important activity and milestone is achieved.

It takes both time and experience to develop an effective mortgage loan process. The foundation of my operations is based on the singular commitment towards the creation of value, both during the process as well after your loan has funded.

A mortgage typically represents the largest financial obligation of a person’s life and the process of selecting a mortgage product involves a great deal more than the acquisition of the lowest interest rate.

There are many factors to consider in the selection of a loan product, from loan terms and down payment, to the allocation of closing costs. Spending time to carefully evaluate your short and long- term objectives with a property can save thousands of dollars in both interest and fees.

I am personally responsible for providing you with a clear understanding of your loan options and structuring your mortgage transaction to help you achieve your financial goals.

In order to provide a clear and transparent understanding of your loan options, we utilize the very latest in mortgage presentation software. This allows you to quickly and easily compare and analyze the short and long-term implications of different mortgage products and closing cost structures.

MEET OUR TEAM

Chad Baker | Regional Manager | NMLS 329451
[email protected] | 858-353-8331

Twenty years in the mortgage industry comes with expert problem-solving skills. Chad is an 8x Scottsman Guide Top Producer, with an active license in 49 states. He believes that every successful mortgage transaction is based on establishing a strong relationship with the client and agent. There are many factors to consider in the selection of a loan product, from loan terms and down payment to the allocation of closing costs. Spending time to carefully evaluate your short and long- term objectives with you is a top priority.

Chad is proficient in Bank Statement loans for the self-employed, Asset Utilization, Jumbo Loans, Investor Cash Flow Programs, and helping cannabis industry workers get approved.

Karina Saldarriaga | Originating Branch Manager | NMLS 312137
[email protected]  | 619-395-0801

Working with Karina to coordinate your financing presentations and FastTrack preapproval letters comes with over 15 years in the mortgage industry. She is eager to help in the purchase process and provide knowledge about a vast array of loan products at competitive rates.

Karina is fluent in Spanish and specializes in DSCR Investor Programs, Veteran home loans, Foreign National, and cash-out Refinance.

Michael Sousa | Branch Business Development Manager | NMLS 282830
[email protected] | 858-251-0506

As a mortgage loan originator for over 11 years, working with me will offer a unique perspective on the real estate market, as well as knowledge of large banking institutions and mortgage broker lending. My commitment to the client and their real estate professional is exceptional service and seasoned advice for an efficient and pain-free mortgage transaction from start to finish.

Michael specializes in Dreamhouse down payment assistance programs, good-as-cash Ribbon program, and First-time Homebuyers.               

Let’s Talk!

Whether you’re purchasing a home or refinancing a condo, a first-time homebuyer, or a seasoned investor, our objective is to help you achieve your home financing goals.

Please call me today at 858-353-8331 or send us a message!

 

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Chad Baker Team | NMLS 1939196
CrossCountry Mortgage | NMLS 3029

Awards and Recognitions

  • Top 300 Mortgage Originators in America 2014-2021 Scotsman Guide
  • Top 1% Mortgage Originators in America 2012-2018 Mortgage Executive Magazine
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