Purchase

We offer financing for new and existing homes, whether you are purchasing your primary residence, a second (vacation) home or investment property.

If you are building a home, we'd be happy to discuss options available for construction loans to help determine what's right for your project.

The types of property we handle include single family residences, town homes, condominiums, and high rises, as well as multi- family investment property primarily in the state of Texas. There are a number of other states where we offer loans, so if you are buying property outside of Texas, call us to find out if it is a state where we can arrange the financing for you.

In addition to standard fixed rate loans for periods ranging from 10 to 30 years, we have just about every type of program you can imagine in terms of financing a home. Some of the most popular are the 80/10/10's and 80/15/5's**, two programs which are still available which allow you to AVOID PRIVATE MORTGAGE INSURANCE while only putting 5% to 10% down.

** Keep in mind that these programs do have certain credit scores and other requirements, so check the details first.

Our goal is to provide great, old fashioned service that is both friendly and professional. When buying a home, you've got enough to worry about without questioning whether or not you've chosen the right mortgage company. That's part of why when you call our office during business hours, you get a real live person answering the phone, no voice mail.

We can send application packages by mail, fax or email. We are also available to take your application over the phone if you would rather, which generally takes 15 to 20 minutes, and can be a real time saver in the event you need to get something closed in a hurry. If you would like to meet with us in person, we're happy to do that. Just call our office or send an email requesting an appointment when you're ready.

Purchasing a property involves a numbers of professionals all coordinating to meet the requirements of the purchase contract. At Baker Mortgage, we respect the deadlines involved and take them very seriously. It's the personal attention and contact that's so important, but often gets lost when dealing with a large institution or someone online.

We also provide small commercial financing from $100,000 up, on various types of office buildings, retail properties, medical facilities and multi-family housing. Please call for details to see if what we have to offer will work for you.

Our mission is to go above and beyond your expectations, to assure that your closing goes as smoothly as possible. We want to be your mortgage company, not just this time, but every time. We appreciate the opportunity to be of service.

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