Minnesota Mortgage Loans

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

Are you licensed in Minnesota?

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

What loan programs are available in Minnesota?

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

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

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

Where in Minnesota does Baker Lending lend?

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