Wells Fargo Home Mortgage Consultant - David L Baker

Branch Manager, Private Mortgage Banking

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Office Phone

(650) 559-2018(650) 559-2018

Mobile Phone

(510) 220-5643(510) 220-5643

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NMLSR ID

448768

Meet David L Baker

Meet David L Baker
With 28 years of experience in the mortgage industry, I've developed a strong residential lending reputation throughout the counties of the San Francisco Bay Area. Working with Wells Fargo Home Mortgage for 20 years, I manage an established office with a team consisting of producing sales managers, private mortgage bankers, sales assistants, and customer service representatives. In addition to leading the team, I also personally assist families with their goals of homeownership. Providing high-touch customer service has helped me build an extensive network of customers and industry partners as I strive to make homeownership attainable and a reality for my customers.
• Producing branch manager for Wells Fargo Home Mortgage since 2004
• Recognized as a Wells Fargo President's Club member for 16 consecutive years
• Team total loan volume from 2013 to 2024 - $21.44 billion with over 23.090 families served.
• Achieved #1 in national total team production Volume and overall Scorecard for 2024
• Personal production total volume from 2010 - 2024 = $2.136 billion
• Personally served 3,342 families from 2010 – 2024

My Locations

Wells Fargo Home Mortgage

467 1st St Ste 100

Los Altos, CA, 94022

Mortgage interest rate discount

You may be able to lower your interest rate, with discounts based on eligible assets.

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Buying a Home?

Because home is where memories are made, a $10,000 home down payment grant could help make homeownership possible.

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Mortgage calculators and tools

Check Rates

See rate and APR information for popular loan types.

Purchase Prequalification

See how much home you may be able to afford.

Refinance Rate Quote

See if refinancing could be the right move.

Frequently Asked Questions

When you work with Wells Fargo, you’ll have the knowledge and experience of a home mortgage consultant and technology developed with a focus on you.

Our digital tools help simplify the home loan process, whether you’re using a computer or a mobile device. We even offer a secure way to pull income and other financial information into your application from other banks or lenders.

Our system lets you move forward when and where it’s convenient for you. You’ll know where you stand and what you need to do next. Securely upload documents, pay any upfront fees, check your application status, monitor progress, and sign select documents electronically – all part of the way we use online processes to make things convenient for our customers. To determine which features of the online application are available with your home loan, talk to your home mortgage consultant.

And our support doesn’t end when you get the keys. We’ll be here for you after you close, with the tools and resources you need to manage your mortgage and move into your tomorrow.
Mortgage costs for a purchase home loan typically include your down payment, closing costs, and prepaid escrow amounts for property taxes and insurance. Throughout the process, we keep you informed and explain your specific costs to help ensure there are no last-minute surprises.

When submitting a mortgage application for a specific property, you’ll receive a loan estimate within three days to give you a better idea of how much you need to pay in closing costs.

If you’re wondering about upfront fees, these could include appraisal and extended rate lock fees although they’re not required with all loan programs. Let’s talk about what would be needed in your case.

In general, closing costs are 2 to 5% of your home purchase price, paid by you, the home seller, or the lender. You may be able to use monetary gifts from family for all or part of your closing costs.

I can answer any questions you may have about your specific situation.
The length of time it takes to process and close a loan varies, depending upon a number of factors. Appraisals, information requests, title searches, builder schedules, home inspections, and repairs can all affect the time it takes to close your loan.

You can keep things moving along by responding promptly to any requests for information and completing tasks on time.

Let’s talk about your specific situation to give you a better idea of time frames.
When you work with Wells Fargo Private Mortgage Banking and Wells Fargo Private Bank, you’ll enjoy the power of teamwork with a focus on you. Our strong partnership with The Private Bank means you’ll receive personalized attention to help align your homeownership and wealth management financial goals today and into the future.

As a private mortgage banker, I’m here to discuss more complex home financing situations and asset management strategies. With local market experience, we offer competitive financing options for primary, second, vacation, and investment properties.

Our underwriting and support teams focus on providing the superior customer service you expect before, during, and after any transaction you close with us.

Ask me about home financing options that can help you manage your wealth, grow your assets, and achieve your financial goals.

Wells Fargo Private Bank provides products and services through Wells Fargo Bank, N.A. and its various affiliates and subsidiaries. Wells Fargo Bank, N.A. is a bank affiliate of Wells Fargo & Company.

Meet my Associates

You'll have a dedicated team ready to guide you every step of the way – from application through closing.

Lowery Paul Wilson - 861808 - Wells Fargo Home Mortgage

Private Mortgage BankerNLMSR: 861808

(408) 857-7410(408) 857-7410

Visit my site

Jason Gironella - 1024623 - Wells Fargo Home Mortgage

Mortgage AssociateNLMSR: 1024623

(650) 580-3395(650) 580-3395

Why Choose Wells Fargo?

A personalized experience that puts you first

You’ll have the knowledge and experience of a home mortgage consultant and a dedicated team supporting you every step of the way to make your home loan process as seamless as possible.

Help where you need it

Access the tools and guidance you need to take your next step, whether it’s checking rates, calculating what you can afford, or getting preapproved to help you shop with confidence.

A simple online process

Our online mortgage application process takes just 20-30 minutes, and lets you connect with your existing financial accounts, manage tasks, and easily upload select documents. To determine which features of the online application are available with your home loan, talk to your home mortgage consultant.

Ongoing support

It doesn’t end when you get the keys – we’re here for you as you grow into your new home and navigate the future.