Delaware Mortgage Loans

Andrew Baker is a licensed mortgage loan originator serving Delaware through West Capital Lending, Inc. As a broker rather than a bank, your loan is shopped across a wholesale lender network — so Delaware borrowers are matched to the program and pricing that fit, not to one institution’s product shelf.

Are you licensed in Delaware?

Yes. Andrew Baker, NMLS 2688601, originates in Delaware through West Capital Lending, Inc., NMLS 1566096. Delaware is one of 33 licensed states — 28 where the full range of loan types is available and 5 limited to investment property loans. Delaware borrowers have access to the full program set.

Which mortgage programs can I get in Delaware?

Conventional, FHA, VA, jumbo, HELOC and home equity, HEI/HEA, reverse mortgages, DSCR investor loans, and bank statement loans are all available in Delaware. As a broker with 175+ wholesale lender relationships, Baker Lending can place a file in Delaware with whichever lender's guidelines fit the borrower.

At what loan amount does a mortgage in Delaware become jumbo?

The 2026 baseline conforming limit is $832,750 for a one-unit property in most Delaware counties. Designated high-cost counties run higher, up to a ceiling of $1,249,125. Amounts above your county's limit are financed as jumbo loans. FHA limits in Delaware start at a floor of $541,287 and vary by county.

Which Delaware cities do you serve?

Baker Lending serves borrowers statewide in Delaware, with dedicated pages for Dover, Newark, Wilmington. Because the process runs by phone, e-sign, and secure upload, location inside the state is not a limitation — any Delaware property address can be financed under the same licensing.