San Diego Mortgage Broker
Answers to the questions I hear most from buyers, homeowners, and investors.
Mortgage Broker Serving San Diego, CA
Andrew Baker is a licensed mortgage broker serving San Diego and the greater San Diego 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 delivers competitive rates backed by personal service. San Diego's large military presence makes VA loans extremely popular, while the coastal market frequently requires jumbo financing.
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)
✓ 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
✓ 175+ wholesale lenders
✓ Lower rates than retail banks
✓ One application, multiple offers
✓ Licensed in California and 37 other states
✓ 4.96★ on Experience.com
✓ Close in 21–30 days
✓ Direct access: (949) 665-9090
✓ Lower rates than retail banks
✓ One application, multiple offers
✓ Licensed in California and 37 other states
✓ 4.96★ on Experience.com
✓ Close in 21–30 days
✓ Direct access: (949) 665-9090
Get a Free San Diego Quote
Andrew Baker · NMLS 2688601 · (949) 665-9090
Still Have Questions?
I'm always happy to chat — no pressure, no obligation.