What does a mortgage loan originator do vs. a bank?

A bank offers only its own loan products. A mortgage loan originator shops your loan across 175+ wholesale lenders to find the best rate, terms, and program for your situation.

How do I get pre-approved?

Apply through one of our lender portals or contact me directly. I will pull your credit, verify income and assets, and issue a full pre-approval letter, typically within 24 hours.

How much do I need for a down payment?

Conventional loans start at 3% down, FHA at 3.5%, and VA loans require zero down payment.

When does it make sense to refinance?

Generally when you can lower your rate by 0.5% or more, shorten your term, or access equity. The key is whether monthly savings outweigh closing costs within your planned timeframe.

A DSCR loan qualifies based on the rental income of an investment property rather than your personal income. No tax returns or pay stubs required.

What is PMI and how do I get rid of it?

PMI is required on conventional loans with less than 20% down. It drops automatically at 78% LTV, or you can request removal at 80% LTV.

Huntington Beach Mortgage Loan Originator

Answers to the questions I hear most from buyers, homeowners, and investors.

Mortgage Loan Originator Serving Huntington Beach, CA

Andrew Baker is a licensed mortgage loan originator serving Huntington Beach and the greater Orange County 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. Huntington Beach offers everything from starter condos to beachfront estates. VA loans are popular given the proximity to military installations.

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 27 other states
✓ 4.96★ on Experience.com
✓ Close in 21–30 days
✓ Direct access: (949) 665-9090

Get a Free Huntington Beach Quote

Andrew Baker · NMLS 2688601 · (949) 665-9090

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