Direct Lender · Licensed in 48 StatesMore people into their first home.
More investors into their next ten.
A direct mortgage team powered by CrossCountry Mortgage — built to turn “I can’t afford the market” into a closed loan. First-time buyers, complex income, or investors scaling a portfolio: we understand the math others don’t, and explain every piece in plain English.
Every home in America. Pre-qualified.
- Real-time DSCR on every for-sale propertyPre-calculated using industry-standard short-term and long-term rent projections.
- Gold-standard income sourcesThe same data we accept as a direct lender for loan approval.
- From scout to close, fastFind it, lock it, fund it. No third-party rent estimates to argue about.
Mortgage specialties
From rental empires to first homes – we underwrite to your actual situation, not a stock checklist.
DSCR Investor Loans
Qualify on rental income, not W-2s. Short-term, long-term, mid-term – paired with Scout for real-time property scoring.
Learn moreConventional Fixed Rate
15-, 20-, and 30-year fixed-rate loans for primary residences, second homes, and investment properties.
Learn moreVA Loans
$0-down financing and competitive rates for active-duty service members, veterans, and qualifying spouses.
Learn moreFHA Loans
Lower credit requirements and as little as 3.5% down. Perfect for first-time and credit-rebuilding buyers.
Learn moreJumbo & Non-QM
High-balance, asset-utilization, bank statement, and 1099 loans. Built for self-employed and high-net-worth buyers.
Learn moreRefinance & HELOC
Rate-and-term, cash-out, and home equity lines. Pull equity to scale your portfolio or pay down high-cost debt.
Learn moreFix & Flip / Bridge
Short-term financing for renovations, flips, and 1031 exchanges. Close in days, not weeks.
Learn moreUSDA Rural
$0-down financing for eligible rural and suburban areas with competitive fixed rates.
Learn morePhysician & First Responder
Specialty programs for doctors, nurses, firefighters, and police – including FOP and IAFF affinity benefits.
Learn moreActive investor? See a Scout walkthrough →
From scout to close
A direct-lender path that respects your time and your portfolio strategy.
Scout the market
Browse every for-sale property in America with pre-calculated DSCRs – STR and LTR – already in the system.
Lock your strategy
We pre-approve you on terms that match your portfolio plan. No surprises when you write the offer.
Win the offer
Make confident offers backed by a direct lender who already knows the property pencils.
Close & repeat
Average close in 18 days. Scale your portfolio with a partner ready to fund your next deal.
Built on referrals
Closed three short-term rentals in eight months. Chad's team pre-screens the deals, so I only write offers on properties that already pencil — no more wasted weekends chasing numbers that don't work.
As a self-employed buyer, I'd been turned down three times before. The Chad Baker Team underwrote my actual income, not just a W-2 box. Closed in 24 days.
Scout is unlike anything else I've used. Real-time DSCR ratios on every listing means I stop wasting time on properties that don't pencil. I won't shop without it.
Let’s find your next deal.
Call or text the team to start your pre-approval — we’ll walk you through every number in plain English. No obligation.