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 and annuities, disability income, long term care, critical illness, medicare advantage & medicare supplement insurance.

I would consider it a privilege if you chose to become one of my clients. For a no obligation needs analysis of your overall insurance needs, contact me here.

Thank you,
Steve Baker

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Overview of Current Reforms and Reform Legislation

Reform legislation

The Expanding the American Homeownership Act, H.R. 1852, known as FHA Reform or FHA Modernization, was approved by the U.S. House Financial Services Committee on May 3, 2007. The bill now awaits a vote by the full House of Representatives. It will enable the FHA to reach more prospective borrowers and allow millions more low- [...]

FHASecure Fact Sheet – Refinance Options

YOU WORKED HARD FOR HOMEOWNERSHIPThe Federal Housing Administration has helped millions of Americans secure their dream of homeownership since 1934. Now we want to keep those dreams alive.

We provide mortgage insurance on loans made by FHA approved lenders throughout the United States and its territories. FHA insures mortgages on single family, multifamily and manufactured homes and [...]

How FHA Could Help Borrowers Refinance and Avoid Foreclosure

This is such good news I decided to include it here in it’s entirety!

How FHA Could Help Borrowers Refinance and Avoid Foreclosure

By Deborah Solomon

RISMEDIA, August 27, 2007- (The Wall Street Journal Online)–As the subprime-mortgage crisis ripples through the broader housing [...]

Credit Problems for Young Buyers

Start building credit early.

Last week I had to do something that I really didn’t like. I had a young couple come to me wanting to buy their first home. They were so excited, and so was I. Until we hit a snag, and not just a little one.

They didn’t have a great [...]

Mortgage Broker or LO…. What’s the Difference?

Mortgage Broker vs. Loan Officer When you’re looking to get a mortgage loan, you may work with a loan officer or you may choose to work with a mortgage broker. People often confuse the two job types even though both will glean the same results: a new home. However, it is important to understand the [...]

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