• Welcome!

    Greetings and welcome to my website!

    I am a financial services professional dedicated to helping my clients to protect their assets, build wealth, plan for retirement and to leave a legacy to their heirs through the use of innovative insurance products and services.

    I have over 12 years of experience in the insurance field as well as a background in banking and finance. I take a consultative approach with my clients and make sure that I look at their total financial picture. I educate as well as advise my clients on the best products and strategies to put in place in order to meet and exceed their financial and retirement goals. My hope is that the information that I share on this website will help in some small way to make your financial future brighter! I work with clients in the areas of life insurance, disability income, long term care, medicare advantage & medicare supplement insurance and annuities. I would consider it a privilege if you chose to become one of my clients. If you would like to book an appointment with me for either a phone or in person consultation, please visit my appointment calendar here. Thank you, Steve Baker

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    Reverse Mortgages Gaining in Popularity

    In response to their growing popularity, ALendingPro.com has begun to specialize in, and offers reverse mortgages to qualified senior citizens. In previous years, only about 50,000 reverse mortgages were acquired, but this figure is expected to rise dramatically as the "baby boomer" generation ages. Many see reverse mortgages as the new key to making the assets [...]

    Fighting Foreclosure by Challenging It

    Judges in at Least 5 States Have Stopped Foreclosure Proceedings Because Banks Couldn’t Prove Mortgage Ownership.

    Homeowners lose equity lines

    Recent news I wanted to share….

    Top lenders react to drop in house values

    WASHINGTON — In one brief phone call, Nancy Corazzi’s lender yanked away what was left of the $95,000 home equity line of credit that she and her husband took out five months ago.
    The lender informed her that her Howard [...]

    Delinquent Homeowners Get a New “Lifeline”

    Six of the big mortgage companies involved the Hope NOW Alliance announced that the Alliance is expanding its efforts to help homeowners facing foreclosure.
    The rate freeze program announced by President Bush in December applied only to borrowers who were facing resets on subprime adjustable rate mortgages but who were current, in fact had never been [...]