Maine Mortgage Loans

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

Is Baker Lending licensed to lend in Maine?

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

Which mortgage programs can I get in Maine?

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

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

The 2026 baseline conforming limit is $832,750 for a one-unit property in most Maine 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 Maine start at a floor of $541,287 and vary by county.

Which Maine cities do you serve?

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