About Kym Baker
With more than 35 years of banking experience, Kym Baker brings extensive knowledge of mortgage lending, real estate, and homebuilding to clients throughout Elkhart County, St. Joseph County, and the greater Northern Indiana real estate market. Having grown up in Elkhart County, Kym has deep roots in the communities she serves and is passionate about helping homebuyers and homeowners understand their financing options and find mortgage solutions that support their individual goals. Kym believes the mortgage process should feel clear and approachable. Whether she is helping a first-time homebuyer purchase a home, working with a repeat buyer on their next move, or assisting a homeowner with refinancing, she takes the time to explain options, answer questions, and provide personalized guidance from application through closing. Her experience in banking, real estate, and homebuilding gives Kym a well-rounded perspective on the home financing process. Known for her responsiveness, genuine care, and relationship-focused approach, she works closely with clients, real estate agents, homebuilders, and other referral partners to help keep transactions moving smoothly. For Kym, relationships are at the heart of good business. She enjoys connecting with people and strives to be a trusted mortgage resource clients and real estate professionals can rely on long after closing. Outside of mortgage lending, Kym enjoys spending time with her husband, Brian, her rescue dog, Edward, and her cat, Reggie. She is a devoted Chicago Cubs fan, loves playing cards, and has a soft spot for wildlife of all kinds. For Kym, life is best enjoyed with good people, four-legged friends, a little friendly competition, and plenty of fun along the way. Kym primarily serves homebuyers and homeowners throughout Elkhart, Bristol, Granger, Goshen, South Bend, Mishawaka, Osceola, and surrounding Northern Indiana communities. She also serves clients across Southwest Michigan, including Mattawan, Kalamazoo, Portage, and Paw Paw. Whether purchasing a home or refinancing, Kym is ready to provide knowledgeable, personalized mortgage guidance from start to finish. *Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.*
We can make it happen!
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
Your monthly payment would be
$ 0.00
*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Certainty Home Lending, LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Certainty Home Lending, LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Certainty Home Lending, LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Certainty Home Lending, LLC. Certainty Home Lending, LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 14841 N Dallas Pkwy, Suite 125 Dallas TX, 75254