Meet Jeremy Baca, a seasoned professional with over five years of experience in the mortgage industry. Jeremy’s journey to becoming a licensed Loan Officer started after he had a bad mortgage experience when buying his own home. Like most first-time homebuyers, Jeremy had many questions and was not familiar with the loan process. Unfortunately, his loan officer was mostly unavailable, not responsi
ve and didn’t establish clear communication on what to expect. During his mortgage process, Jeremy had various people asking for his personal financial information without being told who they were or why they needed what they were asking for. His closing date kept getting pushed back, and on the day of closing, funding wasn’t ready – leaving him with a trailer full of his belongings and no new home to put them in! In that moment, Jeremy decided he didn’t want other first-home buyers to go through what he did…so he started his new career path in home lending and got licensed in 2018. Since then, he has helped hundreds of borrowers achieve the dream of homeownership. He is the main point of contact for his clients and ensures they get the attention, care, and top-notch service he did not get during his personal homebuying experience. Jeremy’s approach with his clients is that of an educator, guiding his clients through the mortgage process with patience and expertise. He believes in empowering his clients with knowledge, ensuring they understand every step involved in their home financing journey. Although he is licensed in New Mexico, Texas, Georgia, and Florida, most of Jeremy’s clients are in the community he loves and resides – the greater Albuquerque area. Jeremy is experienced with Conventional, FHA, USDA RD, VA home loans and first-time homebuyer programs, like the NM Mortgage Finance Authority (MFA) down payment assistance program and the Chenoa DPA. Recently, Jeremy has expanded to non-QM loan programs allowing him to help borrowers with financial profiles that don’t meet the typical mortgage loan requirements. These include the Bank Statement Loan Program to offer financing for self-employed borrowers, the DSCR loan program for real estate investors looking to expand their portfolio, Jumbo Loans for borrowers needing mortgage loans up to $4 million and the ITIN loan program to help his borrowers that have an Individual Taxpayer Identification Number instead of a Social Security Number. Beyond his professional life, he finds joy and camaraderie on the soccer field, where he plays year-round and in tournaments on the Albuquerque Adult Soccer League. With every mortgage transaction, Jeremy Baca exemplifies dedication and reliability. Whether he is guiding a first-time homebuyer, assisting a veteran with a VA loan, or helping a borrower with an atypical financial profile, his commitment to providing exceptional service makes him a trusted partner for all your home financing needs.
