Kris Baker

Kris Baker NMLS #1003726
UMortgage LLC NMLS #1457759
TX Notice for TX Consumers
www.umortgage.com/licensing

NMLS #1003726
UMortgage LLC NMLS ID: 1457759
Texas Notice for Texas Consumers - https://www.umortgage.com/licensing

As a Loan Originator, I will sit down and really get to know you. I will answer your questions and ask some of our own so I can best understand your unique situation. And, unlike most lending companies, we house our underwriting, processing, closing and funding departments all under

one roof to simplify and accelerate the mortgage process. The result is a loan that's simple, fast, convenient and specifically tailored to you and your investment.

There are over a million homes for sale right now – and at least one of them is calling your name.Thanks to how much inv...
12/16/2025

There are over a million homes for sale right now – and at least one of them is calling your name.

Thanks to how much inventory has grown this you, you have more room to search, compare, and actually find the right fit for you.

Want help spotting the best options in our local market? Let’s talk.



12/16/2025

1 Million Reasons To Buy a Home

There are 1,072,417 homes for sale right now. Let's connect to find the one you're looking for in our local market.



How To Stretch Your Options, Not Your BudgetIf you’re ready to find a home that fits both your budget and your life, let...
12/15/2025

How To Stretch Your Options, Not Your Budget

If you’re ready to find a home that fits both your budget and your life, let’s take a look at your wish list together. With a local expert on your side, it’s easier to see where a little flexibility can open up a lot more opportunity.



One of the biggest homebuying advantages you can give yourself today is surprisingly simple: a flexible wish list.

Your next home doesn’t need to check every box on your wish list. It just needs to check the right ones.Even though affo...
12/15/2025

Your next home doesn’t need to check every box on your wish list. It just needs to check the right ones.

Even though affordability is improving, it’s still tight for many buyers. And the people who are moving right now are realizing one thing can make the process a whole lot easier: a flexible wish list.

Cotality found 70% of buyers ended up compromising on one or more wish list item.
And for those buyers, that simple shift opened up more homes that fit both their needs and their budget.

When’s the last time you took a look at your wish list and sorted it into what's truly a must-have and what's a nice perk?

If you want help or want an expert’s insights on what to prioritize in our local market, DM me.

A little flexibility can open up a lot more opportunity.



When’s the last time you had an agent show you the value of your home? Odds are, it was when you bought your house.That’...
12/11/2025

When’s the last time you had an agent show you the value of your home? Odds are, it was when you bought your house.

That’s too long to go without an update, because a lot has changed in the housing market. And it’s a big reason why most homeowners have no idea how much their house is actually worth today.

The real numbers surprise almost everyone.

Data from Realtor.com shows that even homeowners who purchased the average-priced home just 10 years ago likely have almost $285k in equity to leverage.

And that’s just because they’ve been paying down their home loan and how prices have risen over time.

If you want to know what your number looks like, send me a message and I’ll run a personalized estimate for you.

It’s a no-obligation, no-fuss way to find out what your biggest asset is worth. Because it’s...



Your Equity Could Change Everything About Your Next MoveIf you haven’t had someone help you understand the value of your...
12/11/2025

Your Equity Could Change Everything About Your Next Move

If you haven’t had someone help you understand the value of your home this year, now’s the perfect time to take another look. It doesn’t mean you have to sell. But it does mean you’ll at least know what you could be working with – and how far that number can take you.

If you want a custom professional equity assessment, let’s connect.



A lot of people are asking the same thing right now: “Is it even a good time to sell?” And the truth may come as a bit of a surprise...

Selling during the winter might not get the same buzz as the spring, but it quietly gives sellers an edge most people do...
12/10/2025

Selling during the winter might not get the same buzz as the spring, but it quietly gives sellers an edge most people don’t know about.

History shows the number of homes for sale usually dips this time of year. And that means one big thing for you: less competition from other sellers.

Fewer homes available = more eyes on yours.

If you’ve been considering a move, listing before the spring surge could put your house in a much better position.

Curious what selling this winter could look like? Send me a message and let’s talk it through.



Why Selling Your House This Winter Gives You an EdgeWinter might not get the same buzz as spring, but that’s exactly why...
12/10/2025

Why Selling Your House This Winter Gives You an Edge

Winter might not get the same buzz as spring, but that’s exactly why it works in your favor. Less competition from other sellers, more motivated buyers, and a chance for your house to truly stand out.

If you’re thinking about selling, this season can give you a real advantage. Let’s connect and talk through what listing now could look like for you.



Spring gets all the attention, but it’s not always the best time to sell a house. Yes, more buyers show up, but so do a lot of other sellers.

Winter just got a whole lot easier for anyone planning a move.The new Winter Buyer & Seller Guides are officially live a...
12/09/2025

Winter just got a whole lot easier for anyone planning a move.

The new Winter Buyer & Seller Guides are officially live and they’re packed with updates, forecasts, and practical advice for today’s market.

Want the info buyers and sellers are using to stay one step ahead?

DM me “BUYER GUIDE” or “SELLER GUIDE” based on which one you need. And I’ll send you a digital copy.



12/09/2025

The Winter Buyer and Seller Guides Are Here

The Winter Buyer and Seller Guides are here. Let’s connect so you can get the latest digital copies of these guides.



This May Be the Best Time To Buy a Brand-New HomeWith most builders offering generous incentives and a wider selection o...
12/08/2025

This May Be the Best Time To Buy a Brand-New Home

With most builders offering generous incentives and a wider selection of new homes for sale, buyers may be looking at one of the best times in years to buy a new build.

Let's connect if you want to know which communities, builders, and incentives offer the most value today. Having your own agent (not the builder’s representative) makes the sale and negotiation process that much easier for you.

If you could have a brand-new home for less than you may expect, would you be interested?



New home construction today is giving buyers something it feels like they haven't gotten much lately: a real shot at both the home they want and the deal they need.

If you’ve been dreaming about a brand-new home, this may be your best window to buy in years.41% of builders cut prices ...
12/08/2025

If you’ve been dreaming about a brand-new home, this may be your best window to buy in years.

41% of builders cut prices in November. That’s an all-time high.

And here’s why. There are more newly built homes for sale than there’d normally be. So, builders are more motivated to sell what they already have available before they build more.

To keep their inventory moving, they’re offering incentives most buyers would never expect, including price drops and:

Help with closing costs.

Free upgrades.

Even mortgage rate buydowns.

In a time when every dollar counts, these savings matter.

Curious what the best builder incentives are in our area? DM me and I can help. Having your own agent at the negotiation table can make all the difference.



Address

Roanoke, TX

Telephone

+18173203979

Website

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