For more than 2 decades, I have dedicated my career in the mortgage industry to building positive relationships with home buyers, home owners, and realtors along with title companies and appraisers. From teacher to mortgage banker, I have developed a client-for-life philosophy incorporating my life experiences and core values to my role in the mortgage industry. My experiences give me the ability to help my clients feel comfortable and informed throughout the entire loan process.
While striving for an experience that far exceeds my clients’ expectations, I believe each client remains a client for life. My job only begins when my clients’ transactions are complete because I believe it is my professional responsibility to help my clients manage their mortgage and take advantage of opportunities that may help them achieve their financial goals.
After growing up in Cedar Rapids and graduating from the University of Iowa, I traveled around the world. I played professional paintball in Denmark and taught English in Honduras. I also spent a winter in Taos, NM before settling down in Colorado. I now live in Evergreen with my wife and two children while enjoying hiking, camping, snowboarding, mountain biking, and disc golf.
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"One word describes RJ best: Integrity. Throughout the process RJ was always available and helpful. I found it amazing that I'd call or email and he'd respond immediately or within minutes. He tolerated my unending questions with grace and patience. If I annoyed him, I never knew it! We found both the appraiser and the closer RJ hired to be highly trained, prompt and easy to work with. It's hard to find a loan officer with integrity, patience and expertise who really means it when they say they'll take care of you. I found all these things in RJ. I am happy to recommend RJ to my friends and family. In my book, he gets five stars!"
Lynn Nichols, Fort Collins, CO
"Great service, quick, professional. will always refer people we know your way, thanks."
Craig- Evergreen, CO
"I'm sure that you are quite busy. You were very diligent in responding to my questions and you were quite cognicent of my concerns and needs. You were very pleasant, friendly and professional with me. I am very appreciative of your effors, and subsequent success in locating the best deal for my family and I."
Tony- Conifer, CO
"Great customer service! I cannot think of anything you need to do to improve. Although I don't not know of anyone who is currently looking for a home loan, in the future I will refer everyone I know to you. Thanks!"
Ron- Windsor, CO
"RJ was great, Closing was a breeze, and we got a great deal. Overall- great experience!! Thanks!"
Shawn- Golden, CO
"RJ Baxter continues to provide superior service and support. This is our third time working with him since 2006 and each time my my wife and I have been are very happy with the process."
Dave - Raleigh, NC
"RJ made my refinance completely painless. He really went out of his way to keep me informed at all stages and made everyting very easy.
I would recomend him to anyone. Veteran friendly"
John- Mead, CO
"RJ Baxter is the best consultant I can imagine working with. I have worked with him for several years and would not consider working with anybody else but him. He is knowledgeable, timely, and I trust him.
Great job as usual RJ!! You're my guy for every loan that I'll do and for every friend that I know needs a loan."
-Erik- Fountain Hills, AZ
"Working with RJ was awesome. He made the re-fi easy and inspired confidence. I'd gladly use him again and will send friends his way. Thanks RJ!!!!!!"
Denise- Evergreen, CO
"My mortgage broker RJ was great: knowledgeable and very accessible."
Ray- Longmont, CO
"I am truly grateful to RJ Baxter for helping us with this closing. It was a very positive experience, and I wish I had known and used RJ when we originally purchased our home.RJ was very professional and personable throughout the entire experience. I felt that he related to and cared about me as an individual instead of making me feel a number on a mass-mortgage production line.I also felt confident I had chosen the right individual for the job. RJ is extremely knowledgeable -- he knew exactly what to do, and how to get it done. He definitely knew what he was talking about. He presented the facts in a straight-forward manner, offered his recommendations, and ultimately left the decisions up to me.All transactions were handled electronically, around my schedule, which made everything even more convenient."
Charlie - Parker, CO
"You just made my entire week!!! Thank you so for all of your help and work throughout this process. You have been nothing short of fantastic and Brett and I both wanted to just let you know how much appreciate having you on our team! You are amazing!"
Jessica & Brett - Loveland, CO
"I though RJ was great, kept us informed of all the steps and any new developements. I would recommend him without hesitation."
Lynette - Glenwood Springs, CO
"RJ was thorough, professional, prompt and always available to move the process forward."
Jay - Boulder, CO
"RJ was the best! Loved the email updates. The transaction could not have gone any smoother on the financing end."
Lisa, Realtor - Austin, TX
"RJ did a great job throughout our loan process. He was very knowledgeable about various loan options and patiently worked with us as we selected the best package for us. He is very detail oriented and kept everyone informed with regular updates each week. My Realtor complimented me at the closing that RJ was the best and most thorough loan consultant he had worked with. We would definitely use RJ Again for any future loans we may need and enthusiastically recommend him to others."
Mike and Page - Springboro, OH
"Prior to working with your company, I attempted the refinancing process with two companies in my home state. They were both unable to assist me. You were prompt, responsive, and respectful of my time during the whole process. I must admit, I was surpised that the closing went as fast as it did! I would definetely recommend you to anyone that is looking for great results."
Janice - Maryland
"My experience working with RJ was top-notch. It was a pleasure dealing with him. I never got the sense that RJ failed to doggedly pursue resolving issues that most have no experience with. I have no referrals at this time, but I hope to after my solar panels go up and I get inquiries from neighbors."
Andy - Denver, CO
“With so many options for refinancing and with so many lenders, finding a trustworthy representative with the customer’s best interest can be difficult. RJ was exactly what I was looking for. Being particular about the way I do business, I was impressed by RJ’s knowledge and availability to answer my questions and present me with several options equipped with reports to make a complex process simple and efficient. His input and follow-up was honest, straightforward, and accurate. I couldn’t be happier about the process start to finish, and wouldn’t consider using any other consultant in the future.”
Erik - Las Vegas, NV
"Thank you for making my home refinance process move so quickly and smoothly. Your creativity and willingness to explore possibilities to expedite and provide the best possible loan made the venture not only efficient, but also provided me with opportunities I would not have known existed. Your services exceeded my greatest expectations. I look forward to working with you again in the future and will refer you to anyone who is looking to obtain a loan or refinance. You are the best."
Cynthia - Middletown, CA
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"I was greatly impressed with the knowledge, competency, and abilities of RJ Baxter and have already referred him to several others thinking of refinancing. I would work with RJ again in a NY minute!"
Debbie- Longmont, CO
5280 Magazine Five Star Professional 2014-2020
Top 1% of Mortgage Lenders nationwide
With over 15 years experience I am committed to providing an experience that exceeds your expectations. NMLS #395819