Raleigh Mortgage Loan Originator

Investment property financing for Raleigh landlords and investors — qualified on the property's rental income.

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Serving all of North Carolina — see programs, licensing and other North Carolina cities.

Mortgage Loan Originator Serving Raleigh, NC

Andrew Baker is a licensed mortgage loan originator serving Raleigh and the greater Wake County area. In North Carolina, financing is limited to DSCR investment property loans — the property must be a 4+ unit building or a true commercial property. One-to-three unit residential financing, including purchase, refinance and home equity products, is not available in this state. For eligible investment properties, your loan is shopped across a wholesale lender network rather than a single bank's product shelf. Raleigh's Research Triangle employment base drives sustained rental demand across the metro.

Loan Programs

✓ DSCR Investor Loans — 4+ units or commercial
✓ Qualified on the property’s rental income
✓ No tax returns or employment verification
✓ Close in an LLC or other entity
Consumer purchase, refinance and home equity programs are not offered in North Carolina.

Why Baker Lending Powered by West Capital Lending, Inc.

✓ 175+ wholesale lenders
✓ Wholesale pricing shopped across lenders
✓ One application, multiple offers
✓ Licensed in North Carolina and 37 other states
✓ 4.96★ from 14 reviews on Experience.com
✓ Close in 21–30 days
✓ Direct access: (949) 665-9090

Get a Free Raleigh Quote

Andrew Baker · NMLS 2688601 · (949) 665-9090

Raleigh Mortgage Questions

Do you offer home loans in Raleigh?

Not for consumer purposes. In North Carolina, Baker Lending originates DSCR investment property loans only, and only on properties of 4+ units or true commercial real estate. Owner-occupied purchases, refinances, and home equity loans are not offered in Raleigh. Consumer financing is available in the other licensed states.

How does a DSCR loan work for Raleigh investors?

A DSCR loan qualifies on the property's income rather than yours. The lender compares the rent the property generates against its principal, interest, taxes, insurance, and any association dues. Personal income documentation is generally not required, which is why investors in Wake County use it for rental acquisitions and refinances.

What properties qualify for a DSCR loan in Raleigh, NC?

In North Carolina, only properties of 4+ units or true commercial real estate qualify. Single-family rentals, duplexes, and triplexes in Raleigh fall outside what Baker Lending can originate in this state. Eligible Wake County properties are underwritten on the rental income the building produces.

What documents does a Raleigh DSCR loan require?

Generally no personal tax returns are required, since the loan is underwritten on the property's rental income. Lenders typically want leases or a market rent analysis, reserves, an entity or personal credit review, and standard property documentation. Exact requirements vary by lender and by the Raleigh property itself.

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