Stephen Baker

I simply can’t recommend Stephen Baker and Cardinal enough. Stephen worked with me during the course of my new home construction to bridge a funding gap and his diligent work enabled me to successfully complete my dream home on schedule - without complications. He is a pleasure to work with. I intend to rely on Stephen and Cardinal in the future for all my home mortgage and financing services.

I cannot recommend Loan Officer Stephen Baker highly enough! Stephen has been my go-to for both purchase and refinance loans, and each time, he has exceeded my expectations. What sets Stephen apart is his genuine care and commitment to his clients. From the moment I first reached out to him, I knew he had my best interests at heart. Stephen's dedication to ensuring a smooth financing process is unmatched. He works tirelessly to make sure everything happens on time and without any hiccups. Whether it's navigating through paperwork or coordinating with various parties involved, Stephen truly goes the extra mile. Thanks to his expertise and proactive approach, he takes the stress out of the entire process. With Stephen, you can rest assured that you're in expert hands. His professionalism, attention to detail, and exceptional customer service make him stand out in his field. If you're looking for a loan officer who will prioritize your needs and deliver results, look no further than Stephen Baker. Trust me, you won't be disappointed!

Professional and personable -- a pleasure to work with.

We’ve worked with Stephen on three home loans over the past 10 years. From VA loans to construction loans, Stephen is very knowledgeable, efficient, personable and makes a cumbersome process a lot easier than most loan officers. Stephen helped us with our most recent loan and it only took 30 days from application to closing which is unheard of! We’ll be calling on Stephen again for our construction loan in the near future!

Buying a home is a stressful process, no matter how you slice it. Highs and lows are inevitable and having a stabilizing force to guide a buyer through their transaction is pivotal. Stephen has been that for me during both my first and second home purchases. I actually followed him from another institution when I was ready to buy my next home because I found him to be so helpful in buying my first home. He seems to have endless patience, understands mortgage lending more than just about anyone, and is tireless in his pursuit of a solution when faced with difficult circumstances. It is my pleasure to recommend Stephen and plan to work with him as long as he is in business.