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February 2024 by D S
I cannot recommend Mark Baker at Cardinal Financial enough.First, the backs story: we had initially contacted Guild Mortgage for our new home being built through KB Homes but after being pre-qualified via Guild and then working with them for an entire year, our Guild loan officer stopped answering calls and when I complained to the office, it was radio silence for two weeks before I was given a new agent who, was pressed on what had happened to the previous loan officer had informed me that he had "abruptly ended his employment with Guild" (i.e. read between the lines, it sounds like he was fired). She also informed us that instead of 10% down, I would need to put 20% down. Now, this is a mortgage for over $500K so I didn't have another $50K+ just lying around. The new Guild loan officer tried her hardest and she was nice but when you're picking up the mess of someone who had been asleep at the wheel for months (and who hadn't done a rate lock so rates went from 3% up to 6.5% under Guild's watch - I was furious). After two weeks of back and forth with Guild and being at my wits end as I had roughly $50K in escrow that I could not walk away from, I accidentally came across Mark in an internet search. Now, this was really the 11th hour in terms of our mortgage as I had first applied for our lot with KB Homes in June of 2021, ground was broken on our home in January 2022, and then it was set to close on August 4th. Here I was, at the end of June having to find a new lender.While at work, I called Mark Baker's office and I explained my situation to Wayne who took pertinent info and was kind enough to just give it to me straight with both barrels that I was in a cluster but that they'd seen way worse and rescued those situations. A couple hours later, Mark called me, gregariously, optimistically, and confidently laid out my options, and recommended one in particular. It took some leg work to undo all of the mess Guild had created but he rescued the situation and when Guild had been offering 6.5% *after* paying $20,000 in points and trying to combine that with a HELOC, Mark found me a 6.125% on a conventional mortgage with $1,400 bought in points.It closed smoothly and the feeling of relief my wife and I had was like nothing else we had felt in the previous year. Mark, Wayne, and Cara truly rescued the situation and I cannot recommend them highly enough. When I buy a second home, I will absolutely use him again as he really is "The Mortgage Maker."
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February 2024 by Chris Nunez
Mark and his team are very helpful with the home buying process. As a first time homebuyer the process can be stressful and long but they really helped guide us and supported us all the way through to a successful closing. I would definitely recommend!!
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January 2024 by Michelle Jackson
The Team was so easy to work with and made the entire process seamless. Totally recommend them!
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January 2024 by Natalie Hayek
I had the privilege of working with Mark Baker and his team, and I must say they truly made the impossible possible. I was tasked with selling a non-warrantable condo, and the lending perspective presented numerous obstacles. When Mark's client submitted an offer, I immediately hopped on a call with him, seeking reassurance. Mark not only assured me but also demonstrated an unwavering commitment to getting the deal closed.We faced several challenges throughout the process, challenges that would have caused other lenders to throw in the towel. However, Mark and his team did not shy away. Instead, they worked their magic, skillfully pivoted the loan, and made the entire transaction happen seamlessly.I'm beyond grateful for the exceptional effort and dedication Mark exhibited. His ability to navigate complex situations and his commitment to finding solutions set him apart. The result? A thrilled seller and a successful closing. Thank you, Mark, for your outstanding service! I look forward to the opportunity to work together again in the future.
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December 2023 by Jeremy Manuele
Mark Baker, the Mortgage Maker, is an absolute gem! He goes above and beyond, putting his own interests aside to ensure you get the royal treatment. To say he tells the truth would be an understatement; he's like the North Star of honesty in the mortgage world. Mark is as genuine as they come, making him one of the finest folks you'll ever have the pleasure of knowing. If you're in need of mortgage services, he's the one to call – you won't be disappointed! And if you’re lucky, he might even take you to breakfast ?
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November 2023 by Randy Becker
Mark always gets it done. Takes the stress out of getting a loan.
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October 2023 by Dallas Haines
Mark and Wayne are absolutely amazing. Any question you have they’ll answer truthfully. They really have your best interest and most of all they have all the patience in the world. I truly wouldn’t go through anyone else. The best team in town no doubt! Thank you for everything mark!
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October 2023 by Nicole Becker
Mark and his team do an unbelievable job from start to finish. Incredibly knowledgeable about the market. There was never a moment of uncertainty throughout our entire loan process.
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August 2023 by Cristina Robinson
Mark Baker and the whole team was absolutely wonderful!!! In my slightly difficult LONG situation he never stopped checking in, giving the best advice, and making my process as simple as possible for me. I am a beyond busy professional career driven person with little time outside of my life to organize more and with him and his teams support I was able to process everything SO fast and efficient with the BEST communication!!! Highly recommended them for any home needs! I appreciate and thank them so much for all they were able to do!!!! I have my HOME for me and my kids and that means the world to me!
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July 2023 by Sean Ziller
I couldn’t be happier in our experience with Mark Baker and his entire team! We’re first time home buyers and we couldn’t have wished for a better group to team up with for our loan. Mark, Wayne, and Cara are high octane professionals who were willing to take the extra minute, sometimes an hour to educate us and make sure we understood every detail of the process as well as giving us great advice throughout our time in the housing market. Don’t waste your time anywhere else - MB and his team are a cut above the rest!!
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June 2023 by David
Miracle worker. My wife and I came to Mark with a complete mess: both self employed, assets in weird LLCs, miserably disorganized records, and (at least on my end) a penchant for procrastination and a deep hatred of paperwork. Top this off with being terrible prospective buyers, jumping into contracts and then backing out. Throughout the the whole ordeal, he and his team were patient, knowledgeable, communicative, and hard-working--shoutout to Cara and Wayne. Even last-minute disasters were NO FACTOR for the Baker Team. We've got a great house and got a great rate. Honestly, Mark is way better than we hoped for, and orders of magnitude better than we deserved. I cannot recommend him enough.
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June 2023 by rachel merson
Mark Baker and his team have been so knowledgeable, helpful, and flexible throughout my home buying process. I am a first time home buyer and Mark helped make the process very easy for me. He offered me multiple loan options and helped make my dream possible. Not to mention, his fees were lower than other competitors. I got a second opinion from a major mortgage lender to compare rates and services, and Mark blew the competitor out of the water in every single category. I couldn't recommend Mark and his team more.
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May 2023 by Kristin Ryan
Mark Baker and his team were fantastic! They communicated with us every step of the way, making this a very easy and quick process. We move around a lot for business and this was BY FAR the best mortgage company we have ever used. Thank you again!!
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March 2023 by Kenneth Vannice
I started this journey with Mark Baker and his team through a recommendation by my RE Agent. I asked them about going in with a VA loan as I was selling my current house where I had used a VA loan, so it made sense to me. Mark was able to efficiently and easily explain that I had options, and with the money down that I had, I didn't need to use my VA COE on this loan. If you don't know, VA loans get a surprisingly large amount tacked on to the end of the loan for fees, and to help fund other veterans/service members loans as well. I'm all good with this, however, I paid that fee twice with my previous loan during the purchase, and a VAIRRRL refi to get lower interest rates. So, back to the excellent team over at Mark Baker. This team is extremely communicative, and you can email/call Mark if you need to. He got me going, handed me off to Cara when it was time to provide documents, and boom, all of a sudden, I've got a new house in Vegas. It's been a pleasure to work with the entire team at Mark Baker, and I would recommend them to anyone that asked me who I use for my mortgage needs. P.S. Heidi Winston is an extremely professional, hard working, get it done real estate agent, if you're in need, look her up!!
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March 2023 by Trina Sanchez
I have entrusted Mark Baker and his team for the last 22 years for my various mortgage loans. I like to call it the Mark Baker magic! They just made miracles happen with my most recent loan. Mark, Cara, and Wayne are simply AMAZING! It's honestly a privilege to work with a team as professional, kind, and thorough as they are.
