Houston Baker, Sr. Loan Officer, Primary Residential Mortgage, Inc.

08/26/2026

Happy National Dog Day, for You and your Pup, from your local lender at PRMI.

07/02/2026

Shopping mortgage rates won't wreck your credit, but a lot of buyers don't believe that. So they take the first quote they get and overpay.

Shopping for a Mortgage Lender? Here's how it actually works. Multiple lenders pulling your credit inside a short window (usually 45 days) count as one inquiry for scoring purposes. The models were built this way on purpose, so shoppers don't get penalized for doing the smart thing.
The drop from a single mortgage inquiry is small to begin with. Often around 5 points. It recovers quickly.

Frankly, taking the first quote is one of the most expensive habits in homebuying. What lenders charge varies a lot, and not just the rate.

At PRMI we lend with certainty. Visit www.PrimeRes.com/hbaker and gice ME a call! I'm available 7-days a week for you.

03/19/2026

Are YOU on maternity or medical leave and thinking about buying a home? You’ve got options 👇
✨ You may still qualify, even before returning to work
💰 Income, assets & reserves can help
🏡 More flexibility than ever with updated guidelines

Don’t assume you have to wait! If homeownership is on your mind, let’s chat! Call/text me today at 📲 610.306.7929 for more info!

01/26/2026

As we continue to see interest rates drop, the mortgage industry is showing a nice increase in mortgage applications. Let me know if you're looking to buy, renovate or refinance this year.

If you’re one of the thousands of homebuyers waiting for rates to fall, you should know it’s already happening.

01/14/2026

New Year - New opportunity! Now, I'm licensed in Maryland, in addition to Delaware and Pennsylvania. With over 300 products and programs, let me help you with a preapproval or refinance.

12/22/2025

Do you have plenty of home equity but don’t want to give up your low rate? 🏡
PRMI’s Closed-End Seconds lets you access cash for renovations, debt consolidation, or major expenses while keeping your existing mortgage exactly as it is. 💡
✔️ Flexible uses. ✔️ Competitive terms. ✔️ Smart solution.

Flexible Income options: P&L Only, Bank Statements, or Full Documentation
✅Up to 90% CLTV
✅Up to 50% DTI

Got questions? Reach out to me today at 610-306-7929, for more information!

12/03/2025

💡 Home Affordability Tip!
Have you heard of an ADU (Accessory Dwelling Unit)? It’s a separate living space attached or detached from your home, and it can be a game changer for your budget.
🏡 Rent it out for extra income
💸 Offset your housing costs
👨‍👩‍👧 Perfect for multigenerational living
📈 Boost your property value
If you’re thinking about buying a home with an ADU or adding one to your current property, call/ Text me 610-306-7929 and I’ll help you get started!

11/27/2025

Wishing you and your family a Happy Thanksgiving! Season's Greetings!

11/15/2025

With Victor Heness - Realtor at REMAX Town & Country – I just got recognized as one of their top fans! 🎉

10/31/2025

Federal Reserve dropped rates by another 0.25% this week.
🚨 Fed Rate Cut = New Opportunities
The Federal Reserve just made another 0.25% rate cut 👇

What It Means for You
✅Could bring lower mortgage rates soon
✅Market may see more stability
✅No guarantee of another cut this year
✅Great time to review your refinance or purchase options

💡 It’s also important to remember that the Fed doesn’t directly control mortgage rates. They’re driven by the broader bond market and investor expectations about inflation and the economy - not just the Fed’s benchmark rate.

💬 Let’s chat about how this could affect your buying power. Call today 610-306-7929 for more info!