Houston Baker Email & Phone Number

Philadelphia, PA, US

With many months of considering a new position in the home mortgage industry, I'm pleased to announce I have made a move to MOTTO Mortgage, dba Olde Towne Mortgage, LLC. Motto brings the benefits of a national lending franchise to the greater Philadelphia market. As a direct lender and broker, I will have more flexibility to offer my homebuyers and.

Lancaster, PA, US

A personable, result-oriented, Loan Officer, highly regarded for employing creative problem-solving skills. Proven ability to provide top-service levels to each client while helping them navigate the process of purchasing a new home. Well experienced to assist with most residential clients, self-employed borrowers or first-time buyers with little or no.

Mclean, Virginia, US

I'm SO PROUD to receive the Penfed Northeast Success Award for leadership and a the 2021 Leadership Club award. Honored every day to service over 2 Million Members as a Mortgage Loan Officer in the North East region and assist members to secure a residential home mortgage for an upcoming purchase or refinance. I will continue to meet with clients and.

With over 12 Years in the Home Mortgage industry and over 30 years in the Financial business, I am looking forward to superior service for my existing clients and assisting new home buyers in finding the right product and getting to settlement on or before your closing date. My Goal is to exceed your expectations as your Home Mortgage Specialist in the.

- Work closely with each applicant to consult, originate and close mortgage loans on timely basis.- Assist first-time homebuyer's with a wide variety of loan products, from 100% Financing with local down payment assistance programs - Originate new mortgage loans with very competitive Rates, float down option and low fees.- Offer new construction to.

San Francisco, California, US

-Consult new prospective Home Buyers to review qualifications for a new home purchase-Review new and existing bank clients for opportunities to save by a refinance of mortgage(s)-Meet with Real-Estate Investors, Small Business owners on opportunities to qualify for new financing-Work closely with each new client from loan origination through processing to.

Advisory Board member for active YMCA branch in Southern Chester CountyWork closely with new Executive Director and other Y StaffVolunteer for local Y sponsored events or fund raisers

To offer home buyers a unique, streamline application to close in as little as 2 weeksAssist first time home-buyers to qualify for the home utilizing all available mortgage productsMeet one on one with Clients in the area to fully appreciate all their qualifications and interestsWork with Realtors, financial planners and other referral partners to improve.

Horsham, PA, US

Work closely with rapidly evolving real-estate purchase clients and realtorsMeet with potential mortgage clients to discuss interest and qualifications for new loanPre-Qualify new purchase mortgage clients for a new loan to acquire a new homeKeep up to date on new changing fannie-mae, FHA and other Mortgage guidelinesWork with business owners & R/E.

Offering more than just mortgage loan products nationally.Working directly with Clients to develop solutions to their financial needs and improving the financial well being as a result.

Iselin, New Jersey, US

-Consult with and assist a home buyer or mortgage holder on getting qualified and approved for a new home mortgage-Work closely with the REMN team and Underwriting dept. supporting the clients goal of getting their new loan closed-Support Realtors, Financial Planners and CPAs on mortgage planning and client consultation to work through the challenges of.

Danvers, MA, US

- Manage and originate new residential & commercial mortgage portfolio in PA, DE and MD. - Maintain close contact with new or existing clients; work locally out of Wilmington DE licensed office- Active member of Southern Chester County Chamber of Commerce- Meet one-on-one with clients to consult their specific needs- Available for meet nights and weekends.

Develop and originate commercial as well as residential mortgagesPerform credit analysis, risk rating reviews and financial underwriting of entire commercial portfolioPortfolio Manager for over 200 loans for approx. $300 millionCross sell other loan products, lines of credit and deposit accountsPresent recommendation for Board of Directors, as needed

Manage $500 Million commercial loan portfolio, representing a wholesale product in a retail commercial leasing environment;Perform underwriting and development of vendor applications to support approved retail vendor programs for authorized dealerships;Present to credit committee transactions ranging from $500M to $15MM, recommending new inventory floor.

Perform complete credit analysis and underwriting of various size companies, primarily residential builders, developers and operating companies managing commercial real estate;Maintain annual review schedule, completing 12 month cycle; Participate in weekly business development meetings;Member of task force committee to improve credit underwriting.

Toronto, Ontario, CA

Perform complete credit analysis and underwriting of various size companies, primarily residential builders, developers and operating companies managing commercial real estate;Completed full year of annual review schedule;Worked closely with Regional Manager and Lenders on business development opportunities

Contacted and reviewed corporate card clients showing signs of increased risk in recented behavioral changes;Requested and reviewed most recent financial statements to determain deterioration of financial condition in the current year;Team Leader on weekly group meetings with underwriters to discuss action plan on current risk portfolio;

Review and recommend decisions on new business card applications; Request tax returns for review on certain higher risk applicants; Maintained or exceeded monthly productivity goals;Top Performer in Business Lending department.

Managed a collection portfolio from 30 days to 180 days in delinquencyMaintained good work ethic with top performer on 5 occurancesWorked closely with management reaching individual goals monthly Educated new staff to support management initative

Bsba Business Economics, Business/Managerial Economics

Bachelor Of Science In Business Admin, Business Economics

High School (Prep), Mathematics

Grammer School Degree, English And Math