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Harris Baker Jr

Harris Baker Jr

Loan Officer

1943 Berry Chase Place, Montgomery, AL 36117
Own what matters
Own what matters

About Me

Harris Baker, Jr., epitomizes integrity, energy, and hard work. He has a yearslong career in the real estate/finance industry and is currently licensed in several states.  You can hear Harris on radio station Y102 every morning as the mortgage expert.  

His educational achievements include a bachelor’s degree and master’s degree. Harris is also a member of the first African American Greek letter organization for men, Alpha Phi Alpha Fraternity, Inc.   

Leisurely, he enjoys traveling with his beautiful wife, watching his oldest son and daughter compete within their multiple sports, watching his youngest child's ballet performances and going to the range with his wife whenever the opportunity arises.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.99 out of 5.0 stars
4.98
5.0
Brenda
Oct 13, 2023
Verified

Thanks to Mr. Harris Baker and his wonderful team from Guild mortgage for helping me have a great experience with in purchasing my first home. Your team was phenomenal and very professional The team responded very quickly and were so courteous in helping threw out the whole entire process. I appreciate your business. Than, very much.
Jessica
Oct 02, 2023
Verified

Harris was very informative.. he answered all questions and concerns on a quick timely manner.. Looking forward to doing more business with him
NICOLE S
Sep 25, 2023
Verified

Fast, exceptional service and professionalism! Harris Baker is top notch!
NICOLE S
Sep 25, 2023
Verified

Fast, exceptional service and professionalism! Harris Baker is top notch!
Ebony J
Sep 19, 2023
Verified

If you are looking for a great mortgage company, Guild is the way to go. Harris was phenomenal.
Ebony
Sep 18, 2023
Verified

Harris was great and knowledgeable every step of the way.

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Awards

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Causes I'm
passionate about

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NMLS ID #1965723
I am authorized to do business in the states of Alabama, Florida, Georgia and Tennessee.