Local Mortgage Pro in Texas

Tonya Baker is a trusted and results-driven Loan Officer with Client Direct Mortgage, proudly serving homebuyers and homeowners throughout Texas. As a VA Mortgage Specialist, Tonya is deeply committed to helping veterans, active-duty service members, and their families achieve the dream of homeownership through expert guidance, transparency, and care.

Tonya understands that every borrower’s story is unique, which is why she takes a personalized approach to mortgage lending—crafting solutions that align with her clients’ goals, financial circumstances, and future plans. Her expertise in VA home loans allows her to simplify what can often feel like a complex process, ensuring her clients fully understand their benefits and options from start to finish.

While VA loans are her specialty, Tonya’s skillset extends far beyond. She is proficient in a wide range of mortgage products, including FHA, USDA, First-Time Homebuyer Programs, Down Payment Assistance, Conventional Loans, DSCR (Debt Service Coverage Ratio) Loans, Construction Loans, Refinances, and HELOCs. This broad experience allows her to assist everyone—from first-time buyers and investors to seasoned homeowners—offering competitive loan solutions that meet their immediate and long-term financial needs.

Clients appreciate Tonya’s approachable communication style, professionalism, and dedication to making every transaction seamless and stress-free. She takes the time to educate her clients, answer questions thoroughly, and ensure that every decision is made with clarity and confidence.

Whether you’re purchasing your first home, refinancing for better terms, leveraging your home’s equity, or exploring financing options for new construction, Tonya Baker provides expert insight and trusted mortgage solutions tailored for Texans. Her unwavering commitment to service and her ability to find the right loan for every situation have earned her the reputation of being one of Texas’s most dependable VA and mortgage professionals.

Connect with Tonya Baker today at VA-MTG.com

Tonya Baker  – Mortgage Loan Originator – NMLS# 2661651