Luke Baker

Luke Baker developed his extensive customer service skills on the links as a PGA pro for 15 years and says that his only regret is that he didn’t come to the mortgage business sooner. His passion is helping people and he leads his customers through the loan process as easily as teaching them how to improve their swing. Luke believes in educating borrowers on all their options to find the financing solution that’s right for them. He takes the stress out of homebuying and refinancing by being a good listener, being upfront about realistic possibilities, and by simply treating people with kindness. He is excited about Guardian Mortgage’s groundbreaking products.

Luke’s philosophy in work and life is, “If you give 100% all of the time, somehow things work out.” He puts this wisdom to use whether he’s helping customers or outside of work playing golf, going to movies, concerts, boating, or traveling with his wife and young daughter.

MLO Success Story featuring Luke Baker

"From Greens to Guardian Mortgage: Luke Baker's Journey to Success in Spokane"


Awards & Achievements

President's Club logo

2021, 2022 & 2023 President's Club 


Down Payment Assistance Programs from Guardian Mortgage

Guardian Mortgage is pleased to offer our customers several Down Payment Assistance options. Visit my portal to find the resources that are right for you.


My Customers Have Spoken:

5 Star Rating
communication, the help you offer us, thank you, you help us all time and any time, I'm so happy we meet you.
February 26, 2024
5 Star Rating
Mr luke is very professional responsible helpful and hard worker I'm really happy to work with him.
February 24, 2024
5 Star Rating
Luke was proactive, communicative, efficient, and responsive throughout the whole process. I couldn’t have asked for more. Luke is fantastic.
February 11, 2024
5 Star Rating
Luke went above and better and for me. He made this whole process and lot smoother and quicker than I anticipated. 10/10 would definitely recommend!
January 23, 2024
5 Star Rating
Luke was so easy to work with. He made the experience fabulous and took the time to answer any question we had, even if it was the same question 5 different times. He was really flexible and patient and helped breakdown legal jargon and terms I was not familiar with.
January 16, 2024
5 Star Rating
Luke and his team went above and beyond to help up fully understand all our loan options and feel completely comfortable with the process. Luke, and his team, were very responsive and quick to reply to any and all questions we had from start to finish. Luke made sure to provide us detailed options regarding our loan interest rate, down payment, and monthly mortgage payments. We felt confident in his support and would recommend him to our friends and family.
January 08, 2024
5 Star Rating
Luke's team was fantastic. They worked hard to find us the best mortgage rate possible, and they were communicative and available throughout the whole process. When we needed to move quickly to put an offer on our home, Luke was available - on a Saturday night! I have already recommended Luke's team to others and will continue to do so!
December 18, 2023
4 Star Rating
the communication was great ! keeping me in the loop through the whole process . It was very stress free going through every thing. iteas also wonderful how the luke and Dan answered any questions i had and would return the communication. thanks!
December 01, 2023
5 Star Rating
LUKE! Luke is the reason our experience is always so awesome! Luke isn't just a nice, friendly guy, he is honest, trust worthy, reliable and takes care of what needs to be done!!
November 28, 2023
5 Star Rating
Luke is absolutely the best lender I have encountered in all of my career! He is very professional, knowledgeable, responsive, and on top of things! We closed on a home in 3 weeks and 1 day from approval to getting keys! I was just blown away! Highly recommend using him on all your lending needs! He makes the impossible— possible and goes the extra mile!
November 04, 2023