Mortgage Broker · CA Realtor

Your Mortgage.
Your Home.
Your Advocate.

I'm Andrew Baker — a mortgage broker with access to 175+ lenders across 38 states and a licensed California Realtor based in Orange County. Whether you're purchasing your first home, refinancing to save thousands, or unlocking your home's equity, I personally guide every client from application to closing. No hand-offs, no runaround — just one dedicated team fighting for your best rate.

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Licensed in 38 States
ALARAZCACTDEFLGAIAIDINKSKYLAMEMIMNMOMSMTNCNDNHNJOHOKORPARISCSDTNTXVAVTWAWIWY
NMLS 2688601 · 1566096
DRE 02389003 · 02022356
West Capital Lending
Andrew Baker
About Andrew

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.

38
States where I can originate loans
2x
Licensed — Broker + CA Realtor
1
Team start to close
175
Lenders shopped for your best rate
Meet My Team

The People Behind Your Loan

You'll work directly with me — and when it's time to process your file, you're in great hands.

Joeanne Molle
Joeanne Molle
Senior Processor
(949) 989-5136 [email protected]
The DO Team — Fidelity National Title
Kristopher Do
Preferred Title & Closing Agent
(714) 234-9600 [email protected] www.krisdo.com
Fidelity National Title
What I Do

Three 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.

Loan types
  • 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.

Common goals
  • Rate & term reduction
  • Cash-out refinance
  • Debt consolidation
  • Remove PMI
  • Reverse mortgage

Home Equity

Your home has value — put it to work. HELOC and home equity loans give you flexible access to funds for renovations, investments, or major expenses.

Options
  • HELOC (line of credit)
  • Home equity loans
  • Home improvement funding
  • Investment capital access
Digital Lender Portals

Apply Online in Minutes

Access your home's equity through our digital lending partners. Apply directly — fast approvals, transparent terms.

Loan Application

Start or resume your full mortgage application — purchase, refinance, or equity.

Apply Now

HELOC Application

Apply for a Home Equity Line of Credit through our digital lender platform.

Apply Now

Home Equity Application

Tap into your home's equity with a loan or line of credit through our partner portal.

Apply Now
Client Portals

Manage Your Existing Loan

Already a client? Log in to your lender portal to track your loan, make payments, or view your account.

West Capital Lending

Access the West Capital Lending client portal for existing loans.

Log In

Rocket Mortgage

Log in to your Rocket Mortgage account to manage your loan.

Log In

Credit Report Purchase

Purchase your hard credit check to get started on your loan application.

Purchase
Client Reviews

What People Are Saying

Verified reviews from real clients on Experience.com.

5.0 on Experience.com

My husband and I have been very pleased with the guidance that Andrew gave us throughout the entire process. He was always available to answer our questions and made sure we understood every step.

SS
Shelby S.
Verified · Experience.com

Andrew went above and beyond to help me meet my financial needs. He was patient, knowledgeable, and truly cared about finding the right solution for my situation. I would recommend him to anyone.

PG
Pamela G.
Verified · Experience.com
Read All Reviews
How It Works

Four Steps to Closing

From first call to closing day, I handle the complexity so you don't have to.

01

Free Consultation

We talk about your goals, timeline, and financial picture. No pressure — just clarity.

02

Pre-Approval

Apply online. I review your financials and issue a competitive pre-approval letter.

03

Loan Shopping

I compare rates across multiple lenders and present you the best options.

04

Close & Celebrate

I coordinate with all parties for a smooth closing. You get the keys.

Know Your Numbers

Key Terms Explained

Understanding these three numbers will help you make smarter decisions about your mortgage.

LTV

Loan-to-Value Ratio

LTV compares how much you're borrowing to the appraised value of the property. The lower your LTV, the more equity you have — and the better your loan terms tend to be. Most conventional loans require 80% LTV or less to avoid private mortgage insurance.

Example: A $400K loan on a $500K home = 80% LTV

DTI

Debt-to-Income Ratio

DTI measures your total monthly debt payments against your gross monthly income. Lenders use this to determine how much mortgage you can afford. Most loan programs want your total DTI — including your new mortgage payment — at 43% or below.

Example: $3,000 in monthly debts ÷ $8,000 gross income = 37.5% DTI

Rate vs APR

Interest Rate vs Annual Percentage Rate

Your interest rate is what the lender charges to borrow the money. Your APR includes the rate plus fees, points, and other costs — giving you the true cost of the loan. Always compare APR when shopping lenders, not just the advertised rate.

Example: 6.5% rate with fees might be 6.8% APR — the APR tells the full story

Points

Discount Points & Buying Down Your Rate

A "point" equals 1% of your loan amount, paid upfront at closing to permanently lower your interest rate. Each point typically reduces your rate by about 0.25%. It's essentially prepaying interest — you spend more upfront to save more monthly. Points make sense when you plan to stay in the home long enough for the monthly savings to exceed what you paid. The break-even point is usually 3–5 years.

Example: On a $400K loan, 1 point costs $4,000 upfront and might drop your rate from 6.5% to 6.25% — saving ~$65/mo. You'd break even in about 5 years.
Get Started

Ready to Talk Numbers?

Whether you're buying, refinancing, or exploring your equity options — let's have a conversation. No obligation, no hard sell.

Apply Online Schedule a Call Save Contact
Phone
(949) 565-2705
Email
[email protected]
Office
Irvine, CA 92614