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Home / Our Team / Phillip Baker
Phillip Baker
Mortgage Broker · Pick My Mortgage Rate, powered by Loan Factory
Phillip Baker is a mortgage broker on Jerry Kindig's Pick My Mortgage Rate team at Loan Factory, NMLS #2656969, licensed in Maryland and Virginia.
Phillip serves buyers in the DMV and surrounding areas with an education-first approach.
- NMLS #2656969
- Loan Factory, Inc. NMLS #320841
Licensed state(s)
- MD
- VA
Meet Phillip.
I’m a local loan officer serving buyers in the DMV and surrounding areas. I believe the best experience is one where clients feel informed, prepared, and confident — not rushed or overwhelmed. I take a straightforward, education-first approach and work to make buying a home feel clear and manageable. Whether you’re buying your first place or your next one, my role is to help you navigate the process with clarity and calm. Whether you’re actively house hunting or just starting to plan, the smartest first move is a conversation.
Contact Phillip
Loan programs and tools.
- ConventionalNot government-backed; works for many buyers with solid credit and steady income.
- FHAInsured by the FHA, with more flexible guidelines.
- VAFor eligible veterans, service members, and surviving spouses.
- USDAFor eligible buyers in eligible rural and suburban areas.
- Down Payment AssistancePrograms that can help bridge the down payment gap.
- Mobile HomesFinancing for mobile homes, with or without land.
- Self-Employed (Non-QM)Looks at your real financial picture, not just W-2s and tax returns.
- DSCRQualify on the property's rental income, not your personal income.
Not all clients will qualify for these products. Eligibility and availability vary by program and borrower. Phillip Baker, NMLS #2656969. Loan Factory, Inc. NMLS #320841. Equal Housing Opportunity. Verify on NMLS Consumer Access.