Dawn Baker St. Louis, Missouri Mortgage Expert

Getting a mortgage in today’s world is more difficult then it has been in years past. It is very important to get pre approved before starting the process of buying a home. If you are prepared everything will go smoothly and stress free! It is hard enough to face this challenge of knowing what home is best for you, if you have the loan part finished then it will be that much easier on you!

I work with first time home buyers and buyers who have purchased multiple homes. It is important for all to be pre-approved.

A lender looks at certain criteria: Credit, down payment, job and ability to pay back mortgage and value of property.

Depending on all the above, it is my job to go over all your options. What program best suits your needs? What kind of loan do you qualify? How much of a house payment can you afford? What is your comfort range?

Also to decipher what is fact and what is bull ---- There is a lot of misleading information on the radio; Rates quoted are also very misleading too.

So the best thing to do is get preapproved and get all the facts before shopping for your home.

Get these items together: 2 years most recent W2s, tax returns (if self employed or commissioned). Most recent 2 paystubs and most recent 2 months asset statements. I will also need your driver’s license and your social security card.

We can do over the phone or through my website www.dawnbaker.com or we can meet in person.

FHA is a great loan for persons with lower down payment. Down payment is changing to 3.5% effective 1/1/09. Still can be your own funds or a gift from a relative.

I pride myself on my knowledge and my company’s knowledge. Rules are constantly changing. We are the largest individually owned mortgage company in St.Louis and St. Charles ! We are a mortgage banker not a mortgage broker. This is important because this means we control everything in our main office in St. Louis , MO. We control all aspects of processing your loan to closing and funding your loan. Our rates are more competitive because too.

We can do loans in most states!

Dawn Millham-Baker has built her business on the dual foundations of experience and service, and her success in doing so is demonstrated by her large client base and the tremendous number of referrals she receives from past clients.

Recognized as one of the top producers in the local retail mortgage industry, Dawn has an in-depth knowledge of a wide array of mortgage products and is an expert at crafting customized mortgage packages designed to meet each client’s individual goals. Whether her clients are first-time buyers or experienced home owners, they can count on Dawn get them the best loan program – including rate, APR, and terms – for their needs.

She begins the process by evaluating her client’s current financial situation and where he/she wants to be down the road. Based on this information, she and her client mutually decide on the program that best fits the buyer’s unique circumstances. In addition to the interest rate, some of the other issues Dawn considers before identifying the most advantageous loan include down payment assistance, limited documentation, lowest monthly payment, lowest PMI exposure, etc.

With more than 20 years in the retail mortgage industry, Dawn has been with USA Mortgage since its inception. She believes that the company’s mission reflects her own core values, both personally and professionally. Her unreserved commitment to her clients mirrors the company’s determination to do whatever it takes to make customers “clients for life.”

Dawn combines her experience in retail mortgage lending with an exceptional level of personalized service. She is available 24/7 for her clients and is the person they turn to for advice in making the kinds of purchase, refinance, and investment decisions that arise during the course of home ownership.

Dawn gives freely of her time and expertise to ensure that her relationship with her clients does not end at the closing table but continues and endures. As her clients encounter situations that demand the advice and support of an experienced mortgage lender, Dawn encourages them to call her with any questions they may have.

She is an innovative mortgage loan officer who can think outside the box, and she is as reliable as she is creative. Dawn doesn’t promise things she can’t deliver. She helps her clients set realistic expectations, works hard to get them the most favorable terms, keeps them informed about the progress and status of their loan, and makes the mortgage process as simple and smooth as possible.