• 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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    Loan Modification Solutions Can Help Avoid Foreclosure

    We offer the consumer three major services:
    1. Loan Modification
    2. Deed in lieu of Foreclosure
    3. Short Sale Negotiations

    Loan Modification

    With the increase of interest rates on home loans, many homeowners with adjustable rate loans are faced with mortgage payments they can [...]

    Loss Mitigation Programs That Stop Foreclosure Fast!

    Stop Foreclosure with Loss Mitigation Programs
    Loss mitigation programs were established by the federal government and the mortgage industry in order to stop home foreclosures. They help foreclosure victims in default on their mortgages to find alternatives to home foreclosure. Every homeowner’s situation is unique and each lender has their own policies regarding the use of [...]

    Top 10 Things You Need to Know About Foreclosure

    No one wants to hear the F word, but in today’s market, everyone is talking about it. What exactly is foreclosure and how does it affect you? Let me break down what you need to know about the process.

    Foreclosure is a process, not a thing.
    People often misuse the term “foreclosure.” Foreclosure is a series of [...]

    Foreclosure Defined

    Foreclosure is not the most cheerful thing to think about, but it is an element of reality every homeowner should be aware of and comprehend fully.
    We fear what we don’t understand. The concept of “foreclosure” is frequently misunderstood and frequently feared. Understanding the concept of foreclosure with precision maximizes your ability to take action to [...]

    The Stages and Phases of the Foreclosure Process

    Foreclosure is the sequence of legal proceedings by which a lender sells or repossesses a home when the homeowner has stopped making payments on the mortgage. As a homeowner, understanding the individual steps of the sequence is critical to understanding your rights and responsibilities along the way.
    These days, very few states require the lender to [...]

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