Washington Mortgage Loans

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

Is Baker Lending licensed to lend in Washington?

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

What loan programs are available in Washington?

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

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

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

Where in Washington does Baker Lending lend?

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