My name is Chris Baker and I have been in the mortgage industry since 2007. I am an Alabama native and an avid bowler. I have worked in a multitude of roles throughout the mortgage process from originating, to processing and closing. I feel this gives me a well-rounded foundation to help ease clients throughout the entire mortgage process and make it as simple and straight-forward as can be.
Loan Originator
NMLS # 1558979
205-317-6724
chris.baker@mortgageright.com
Please note: You will be taken to an application page that will require you to create an account if you have not created one already.
If you are looking for a lower rate to ease cash flow or a shorter term to get your mortgage paid off sooner, we can help you make the RIGHT decision.
Getting a new mortgage to replace the original is called refinancing. This process allows the borrower an opportunity to obtain a different interest term and/or rate. The first loan is paid off, then the newly refinanced loan goes into effect.
It is common for people to refinance when they have equity in their home, which is the difference between the amount owed on their mortgage and the appraised value of the home. In that situation, the borrower has an option to “cash-out” (hence the term cash-out refinance) the value of their home equity allowing them to remodel their home, consolidate debt, pay for college, or other expenses.
