Andrew Baker
Mortgage Broker · CA Realtor

One Advisor.
National Reach.
Better Outcomes.

I'm Andrew Baker — a mortgage broker with access to 175+ lenders across 40 states and a licensed California Realtor based in Orange County, CA. 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 40 States

Mortgage Broker – CA Realtor

Licensed mortgage broker & licensed realtor (CA) Licensed (37) Temporary license (2) Not licensed (10)
NMLS 2688601 · 1566096 · 203003  |  DRE 02389003 · 02022356
Digital Lender Portals

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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.

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HELOC Application

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

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Home Equity Application

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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.

40
States where I can originate loans
2x
Licensed — Broker + CA Realtor
1
Team start to close
175
Lenders shopped for your best rate
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
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

Complete an Application

Submit your documents and application online. I review your financials and get you pre-approved.

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.

Verified Reviews

What Clients Say on Experience.com

5.0-star rated on Experience.com. Here's what borrowers have to say.

★★★★★
"My husband and I have been very pleased with the guidance that Andrew gave us throughout the entire process. He made everything clear and was always available when we had questions."
SS
Shelby S.
Verified Review · Experience.com
★★★★★
"Andrew went above and beyond to help me meet my financial needs. He was attentive, responsive, and genuinely cared about finding the right solution for my situation."
PG
Pamela G.
Verified Review · Experience.com
★★★★★
"He was attentive to our needs and kept us informed through every step. Even though we had never met him in person it felt like we had a close relationship. Andrew, thank you for making what could have been a stressful process easy."
★
Verified Client
Verified Review · Experience.com
Read All Reviews on Experience.com

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I'll personally reach out with your options. No credit check, no obligation, no hard sell.

Takes about 2 minutes
Contact Information
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Timeline & Notes
Phone
(949) 565-2705
Email
[email protected]
Office
Irvine, CA 92614