Privacy Policy & Disclaimers

Privacy Policy

Baker Lending ("we," "us," or "our") is committed to protecting your privacy. This policy describes how we collect, use, and safeguard information when you visit bakerlending.com or submit a contact form.

Information We Collect:

• Name, email address, and phone number submitted through our contact form
• Loan inquiry details you voluntarily provide (loan type, property state)
• Standard web analytics data (pages visited, browser type, device — no personally identifiable information)

How We Use Your Information:

• To respond to your mortgage inquiry and provide personalized loan guidance
• To send rate updates and market information you've requested
• To improve our website and services

What We Don't Do:

• We never sell your personal information to third parties
• We never share your information with unrelated companies for marketing purposes
• We never store sensitive financial data (SSN, bank accounts) on this website

Your information is transmitted securely via HTTPS encryption. Contact form submissions are processed through our CRM system with industry-standard security measures. You may request deletion of your information at any time by emailing [email protected].

Equal Housing Lender

West Capital Lending is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status in the making or purchasing of residential mortgage loans, or in the terms and conditions of such loans. All loan programs are subject to borrower and property qualifications, including but not limited to credit, income, property valuation, and occupancy requirements.

Licensing & Regulatory Information

Andrew Baker — Loan Officer
NMLS #2688601
DRE #02389003 (California)

West Capital Lending, Inc. — Mortgage Broker & Direct Lender
NMLS #1566096 · Corporate NMLS #203003
DRE #02022356 (California)
17911 Von Karman Ave, Suite 400, Irvine, CA 92614
Licensed in 43 states plus Washington, D.C.

You can verify licensing information at NMLSConsumerAccess.org.

Loan Disclaimers

All loan programs, rates, terms, and conditions are subject to change without notice. Rates shown on this website, in calculators, or in blog posts are for illustrative purposes only and do not constitute a commitment to lend, a loan offer, or a guarantee of any rate or term. Actual rates, fees, and loan terms will be determined based on your individual credit profile, loan amount, property type, occupancy, and other underwriting factors.

The mortgage calculators on this site are educational tools that provide estimates only. Results are not guaranteed and should not be relied upon as the basis for any financial decision. Your actual monthly payment, closing costs, taxes, and insurance will vary. Contact Andrew Baker for a personalized Loan Estimate tailored to your situation.

West Capital Lending is a mortgage broker and direct lender that partners with multiple wholesale lenders. Not all loan products are available in all states. Minimum credit scores, down payments, and other requirements vary by loan program and lender.

Website Disclaimers

The information on this website is provided for general informational purposes only and does not constitute legal, financial, or tax advice. While we strive to keep information accurate and up to date, we make no warranties about the completeness, reliability, or accuracy of any content. Any reliance you place on such information is strictly at your own risk.

Blog posts and market commentary reflect conditions at the time of publication and may not reflect current market conditions. Past performance and historical rates are not indicative of future results.

Third-party links on this website are provided for convenience. Baker Lending does not endorse or guarantee the content, products, or services offered by third-party websites.

Contact

Questions about this policy or your information? Reach out anytime:

Andrew Baker · (949) 565-2705 · [email protected]

Last updated: April 2026