Stephen Baker, Home Lending Officer

08/01/2026

5.0 star review received on Experience.com for Guild Mortgage - Stephen Baker by Lea C - Stephen is a valued resource in the mortgage profession as we went through this transaction. This was my first opportunity to work with him and I would gladly recommend him to others. It is wonderful to have someone with the depth of knowledge, excellent communication skills and overall care for the clients in a transaction.

Click to see all 24 reviews of Guild Mortgage - Stephen Baker, Senior Loan Officer | NMLS # 432353

06/24/2026

5.0 star review received on Experience.com for Stephen Baker by Jason B - Stephen Baker was thorough, went out of his way to answer questions, calm nerves We had an unique situation and he made sure it was figured out Stephen communicated each step honestly And efficieny

Click to see all 23 reviews of Guild Mortgage - Stephen Baker, Senior Loan Officer | NMLS # 432353

04/22/2026

5.0 star review received on Experience.com for Stephen Baker by Justin A - Stephen has helped us multiple times over the years. We purchased our property in 2008 with the intention of building a new house ourselves (foolishly). I am a contractor but didn't want to go the construction loan route since we knew we wouldn't be able to keep up with the schedule requirements typically tied to a construction loan; Stephen helped us navigate that, enabling us to get our project off the ground. The years quickly passed after starting the project in 2013; when we inevitably needed more funds to keep the project moving, Stephen helped us with that as well. When all was said and done, our new house project turned into a new ADU and new house which we only just finished in 2026. After years of hard work and acruing more debt than we had planned, Stephen once again helped us consolidate and refinance. I'm convinced we would not have been able to finish this project, were it not for his help. Thank you Stephen!

Click to see all 22 reviews of Guild Mortgage - Stephen Baker, Senior Loan Officer | NMLS # 432353

03/17/2026

You don’t need 20% down
Perfect credit isn’t required
Even bankruptcy doesn’t mean no loan
Let’s talk facts 🏡✨

03/06/2026

📉💥 Market Madness Today
Wow… the bond market was all over the place this morning.

Here’s the quick scoop:
🧾 Jobs Report Surprise:
February came in with a loss of 92,000 jobs (markets expected +59,000). That kind of shock usually pushes mortgage rates down—and they did dip at first.

🛢️ But then oil hit new highs…
As soon as traders saw oil prices spiking, inflation worries jumped right back in. Bond yields snapped right back up. By the end of the day, the 10‑year Treasury landed right where it started: 4.144%.
📊 Other Data That Moved Markets:

Unemployment ticked up to 4.4%
Wages grew faster than expected (which can fuel inflation)
Retail sales dipped a bit

Normally, these would help push rates lower… but oil ruled the day.

🌍 What’s driving oil higher?
The ongoing conflict involving Iran is hitting global shipping and slowing down oil moving through the Persian Gulf—where about 20% of the world’s oil flows. The longer tankers sit still, the tighter supply gets… and the higher prices go.

🏦 What’s the Fed Thinking?
Markets are now pricing in an 86.8% chance of a Fed rate cut in July. Not guaranteed, but trending that way.

🔮 What’s Next?
Next Wednesday we get February’s CPI inflation report—big one. And depending on how the situation in the Gulf evolves, we could see more volatility in rates.

02/27/2026

When mortgage rates fall below 6% for the first time since 2022, you KNOW it’s a good day. 🎉📉Yes, you heard that right — the 30‑year fixed just hit 5.98% and my reaction was… dramatic. 😅
Between easing bond yields and improving inventory, the spring market just got a whole lot more interesting. 🌸🏡

If you’ve been waiting for a sign… THIS. IS. THE. SIGN.
DM me if you want to see what this drop means for your buying power — let’s make your 2026 move actually happen. 🚀✨

02/24/2026

Life happens. 💸 The good news? Your home can be the safety net 🛟 you didn’t know you had. Tap into your equity to tackle debt, cover unexpected expenses, and create breathing room again. 🏡✨

01/29/2026

Non-traditional mortgages are designed for real life; self-employed income, multiple revenue streams, strong assets, or just a financial story that doesn’t look “cookie-cutter” on paper.

Bank statements. Asset-based options. Flexible qualification paths.

Different doesn’t mean risky, it means tailored.

If you’ve ever been told “no” because your numbers look different, it might just mean you haven’t explored the right options yet. 💡

Let’s talk about what actually works for you.

01/24/2026