Amy Baker

"If you're looking for an experienced and trustworthy mortgage broker in Washington State—especially in Whatcom County—Amy Baker should be at the top of your list. I've worked with many lenders over the years, and Amy consistently delivers outstanding service, particularly for construction loans, renovation financing, and first-time homebuyers using down payment assistance programs.   What sets Amy apart is her ability to simplify the complex. Construction and renovation loans can be intimidating, but Amy has a deep understanding of the process and a calm, solution-oriented approach. She walks clients through every step with clarity and patience, making sure they understand their options and feel confident in their choices. I've had several clients work with her on fixer-uppers, new builds, and first-time purchases, and they’ve all had positive experiences—and in many cases, saved thousands of dollars based on her advice.   She’s also a go-to expert for Washington State Housing Finance Commission programs and knows how to structure financing that works for tight budgets without compromising long-term financial health. Amy doesn't just close loans—she builds relationships and provides real value with her guidance.   Whether you're a first-time homebuyer looking for down payment assistance in Bellingham, someone financing a major renovation in Ferndale, or buying land and building your dream home anywhere in Washington, Amy Baker is a fantastic choice. She’s responsive, professional, and truly invested in the success of her clients.   Highly recommend her! "