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Who is Matt Baker? Matt Baker has 15 years of hands on experience in all aspects of the mortgage industry and is licensed by the State of Arizona, as well as California and Colorado. He started in the mortgage industry as a college intern while attending Arizona State University, learning the business in various aspects from underwriting, processing, document control and loan funding. After college graduation he went into a management program for a large national financial services company learning the internal behind the scenes workings of the mortgage business.

He built his knowledge from the ground up, learning about what happens after the mortgage closes and how rates and pricing work, and other details to help consumers get the business loan product for their particular situation. When Matt graduated from his management-training program, he came back to Arizona and started his mortgage origination career.After several years working with mortgage customers directly, Matt broadened his career working with mortgage brokers and mortgage bankers. After years of working with mortgage brokers in Arizona Matt developed his flat fee business model. He believed mortgage brokers often failed to provide customers the best value and service possible. He thought there was a better way to do business and to more fully educate the homebuyer on what they should expect during the home buying process. Complete transparency and straightforward honesty was necessary. So Matt went back to the drawing board to improve the process and better serve his customers.

Matt Baker is married and he and his wife Bonnie have a new baby daughter Madeleine. They live in the Arcadia neighborhood of Phoenix, AZ. He loves the Arizona weather, and all sports outdoors, mainly Tennis, Mountain Biking and Golf.

Mason McDuffie Mortgage and Matt Baker are a local Mortgage Banker. We are lcoated in Scottsdale, AZ. We close are own loans and control the entire lending process. This allows me to offer my one flat fee. When you live in AZ, talk to a local Arizona mortgage originator and have the local hands on service you require.


Effective Immediately:We are able to do FHA Purchase Only to 620 Fico . * Max 45 DTI* DU approve/eligible* Job Stability* Landlord Rating/Payment shock max 150%* Purchase Only Please contact me for more detailed information....
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I did a comparison a few weeks back on the payment breakdown of both FHA and Homepath. Homepath of course is only allowed on Fannie Mae REO properties, but is a great program. Effective April 18th, monthly mortgage insurance...
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Fannie Mae REO product is called Homepath. There are over 17,000 properies available in CA and AZ. As of March, there are over 11,000 properties listed on Homepath.com in California and another 6,500 in Arizona. There are...
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In the last few months I have made a move to a new company. One thing about that experience that you always here the the grass isn't always greener on the other side. After looking into 4-5 mortgage companies, and...
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Life after Short Sale/Foreclosure and Bankruptcy Everyone wants to know what are the rules after I either short sale or foreclose on my house. What are the time frames until I can buy again? This section will go through...
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The Perfect Storm: Low House values and Low Mortgage rates Their a few reasons on why I believe that now is the perfect time to buy. Don't take it from me, look at the real evidence that as led me to this conclusion....
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SENATE APPROVES BILL TO INCREASE FHA MI PREMIUMS The Senate approved last night the bill HR 5981. This bill permits HUD (Housing and Urban Development) to increase the annual FHA premium to a maximum of 1.55% for loans with a...
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A homebuyer's most common asked mortgage questions answered. The most common questions of a mortgage loan are often a struggle for new and old buyers alike. Today, I answer those questions honestly to finally clear up...
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Check out my website, a series of tabs can guide you through all mortgage loan types available.  FHA, VA, Homepath are some of the low down mortgage products available today.  Click on the link and check out some of the key features to these programs.  Also, click on the Get Pre-Approved button to see what your Number is, the amount you can qualify.

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