North Dakota Mortgage Loans

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

Are you licensed in North Dakota?

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

Which mortgage programs can I get in North Dakota?

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

At what loan amount does a mortgage in North Dakota become jumbo?

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

Where in North Dakota does Baker Lending lend?

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