Becoming a homeowner is one of life's most exciting milestones. It marks a significant step toward...
Lynsey Baker
Mortgage Broker in Colorado
NMLS# 1611001
- lbaker@cohomelender.com
- 303-718-3069
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About me
Meet Lynsey
As a dedicated mortgage lender based in Colorado, I’m committed to helping my clients navigate the home financing process with ease and confidence. Whether you’re a first-time homebuyer, looking to refinance, or investing in property, I bring personalized solutions tailored to your unique needs.
With a deep understanding of Colorado’s housing market and access to a wide range of loan products, I ensure you get the best rates and terms available. My approach is rooted in transparency, clear communication, and a focus on building long-term relationships.
I’m here to guide you every step of the way, making the mortgage process smooth, stress-free, and tailored to your goals. Let’s turn your homeownership dreams into reality!
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FHA Home Loan
FHA loans are government-backed mortgages insured by the Federal Housing Administration, designed to help first-time homebuyers and those with lower credit scores qualify for home financing with lower down payment requirements.
USDA Loans
USDA loans are government-backed mortgages offered by the U.S. Department of Agriculture, designed to help low-to-moderate-income buyers purchase homes in eligible rural and suburban areas with no down payment and reduced mortgage insurance costs.
30-Year Fixed Rate
A 30-year fixed-rate loan is a mortgage with a consistent interest rate and monthly payments that remain the same over the entire 30-year repayment period, offering long-term stability and predictability for homeowners.
Adjustable-Rate Mortgage
An adjustable-rate mortgage (ARM) is a home loan with an interest rate that starts fixed for an initial period and then adjusts periodically based on market conditions, potentially leading to lower initial payments but fluctuating rates over time.
VA Loans
VA loans are government-backed mortgages offered to eligible veterans, active-duty service members, and certain military spouses, providing benefits like no down payment, competitive interest rates, and no private mortgage insurance.
Jumbo Loans
Jumbo loans are non-conforming mortgages that exceed the loan limits set by the Federal Housing Finance Agency (FHFA), typically used to finance luxury properties or homes in high-cost areas, and often require higher credit scores, larger down payments, and stricter financial qualifications.
15-Year Fixed Rate
A 15-year fixed-rate loan is a mortgage with a stable interest rate and monthly payments that stay consistent over a 15-year term, allowing homeowners to pay off their loan faster and typically save on interest compared to longer-term loans.
HELOC Loans
A Home Equity Line of Credit (HELOC) is a revolving loan that allows homeowners to borrow against the equity in their home, providing flexible access to funds with variable interest rates and repayment terms.
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Mortgage Calculators
Conventional
FHA
VA
Refinance
Affordability
5/5
My borrowers love me, and I love them back ❤️️
"Working with Lynsey made buying my first home an incredibly smooth and stress-free experience. She was patient, knowledgeable, and always available to answer my questions, no matter how big or small. From start to finish, she guided me through every step of the process, making sure I felt confident and informed. Her attention to detail and dedication helped me secure the best loan option for my situation. I couldn’t be happier with the service I received and highly recommend Lynsey to anyone looking to purchase a home!"
Lauren Wetzel
First-Time Home buyer
"Lynsey was amazing to work with when I purchased my new home. She made the entire loan process simple and stress-free, keeping me informed and on track every step of the way. Her professionalism and attention to detail gave me complete confidence in my decisions. When interest rates dropped eight months later, there was no question who I’d turn to for refinancing. Lynsey made the refi process just as smooth as the first time, helping me lock in a great rate and save money. I highly recommend her to anyone looking for a reliable, knowledgeable loan officer!"
Janice Baker
Purchase and Refinance Client
"I can’t recommend Lynsey enough! When I bought my new home, she took all the guesswork out of the loan process. She was incredibly responsive, explained everything clearly, and made sure I felt comfortable with each step. What really stood out was how much she genuinely cared about finding the best solution for me. Lynsey also handled my refinance 7 months later with the same level of care and efficiency, helping me lower my rate and monthly payments (Saving over $1k a month). She’s truly the best!"
John Moore
Repeat Client
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Let's get you qualified for your dream home today!
True Rate Mortgage Group, LLC is a division of Xpert Home Lending, Inc. (XHL). XHL is a Real Estate Broker Licensed by the California Department of Real Estate. DRE #02166758 NMLS: 2179191. www.nmlsconsumeraccess.org
Equal Housing Lender
Corporate Office: 1100 Satellite Blvd, Suwanee, GA 30024, (417) 540-4858, Admin@Xperthomelending.com
