Pamela Baker   NMLS# 218423   State License AZ-LO 914527

Pamela Baker
On Q Mortgage Consultant

About Pamela Baker


I’m Pamela Baker, and I am a top producing mortgage consultant with 15 years of experience in real estate finance. I lead The Baker Group, a team of seasoned professionals, in closing hundreds of transactions every year.
As founder of The Baker Group, which boasts a combined 70 years of experience, I am proud to say my team always exceeds our mortgage clients’ expectations. You can depend on us to use our extensive knowledge and experience to help you obtain a mortgage that fits your specific financial needs and goals.

Call 480-444-7128 today to speak to one of our dedicated and expert team members about buying your dream home.

Additional Licenses: CA-DBO 218423

What I Want You to Know


As a mother and a mortgage professional, I recognize how important it is for every family to have a safe and comfortable home to raise their children. This appreciation has inspired me to make a contribution to Habitat for Humanity every time our team closes a transaction. This commitment to those in need of a home is the foundation of our team’s success.

What Sets Me Apart


I began my mortgage career in 2000, just days after graduation from Arizona State University, and I’ve been happily dedicated to my clients ever since. As an Arizona native, I have an advantage over non-local mortgage consultants through my knowledge of Phoenix and extensive experience in the Valley.
After experiencing the market through various cycles, we have the knowledge to assist clients from a unique perspective. Our outstanding reputation is built on our professionalism, integrity and the ability to keep transactions on track with seamless closings.

My Story


Pam and her husband, Justin, are raising their 2 amazing boys in their north Phoenix home. Austin and Jackson love to hike in the mountains and swim in the pool. Most summer days it is tough to get them inside! Both boys enjoy competitive sports, so weekends include fun at the tennis courts or the soccer field.

  • "Pam Baker has provided five mortgage loans and several Lines of Credit to my wife and I over the last twelve years. We are now in our sixties and thus have a lifetime of experiences with real estate loan companies, loan officers and their services. We can’t say enough about the professional way Pam has always handled our loan needs. Her support staff and associates are very client-oriented, efficient, knowledgeable and eager to help or explain all aspects of our transactions. Pam has developed a support Team of professionals with the same positive characteristics, ethics and attention to detail and follow through that have served her well for many years and made her such a success. Her knowledge and lengthy experience in the Mortgage industry are a testament to her lifelong dedication to her chosen field. Based on our lengthy experience and numerous business experiences with Pam, we are a real advocate of her services and organization."


    - zuser20140624155743313

  • "For most people – buying a home is not something that is done often enough to be well experienced in — that is just the way it is. We had not purchased a home in nine years and Pamela made our adventure into the world of mortgages a simple process. When you called Pam — she actually answered the phone!!!! She responded to email questions immediately! The rapport that we developed with Pam during this process was one of trust and respect.

    We found the home we wanted with the help of a great realtor and closed 24 days later! Impressive!

    We highly recommend Pamela for all your mortgage needs."


    - zuser20140610151736015

  • "Pam has truly been amazing to work with. It was my first time buying a home and she made things flow so smoothly. I feel so blessed having been able to work with her and knowing that I can go to her for almost anything. Honestly, I would not want to work with anybody else. She is very patient and she seriously takes her time to answer every single one of my questions. I had a lot of questions and concerns as a first time home buyer and she was very helpful. Maybe it’s me being naive and not knowing much about real estate, or me not knowing what’s out there. But I know she did not take advantage of that as I felt very well taken care of.

    Pam always tells me if I have any questions, I can feel free to ask her. I may have taken slight advantage of that but even with all my questions, she would respond in a timely manner and she made things very clear for me.

    I am very grateful for Pam and I highly recommend her to anybody."


    - sbyun

  • "Pamela came very highly recommended and came through for us in every way. She is amazingly responsive and helped us through the crazy maze of federal requirements for mortgages. New rules had come through just weeks before our application and the whole industry was struggling with them; Pamela was patient and thorough and kept at it and made it all work for us. She even managed to close a week earlier than our original plan."


    - ltelkins

  • "Our experience with Pamela was pleasant from our initial contact and only improved throughout our home purchasing process. When we had questions, Pam was quick to respond and always had time to explain and clear up any questions or areas of confusing we may have had. If you are seeking a knowledgeable, reliable and responsive professional, please look no further than Pamela Baker. Our transaction occurred quickly and although I’m sure Pam was conducting multiple transactions her personal service made it seem as though ours was her top priority. Pam “Thank you” for all of your efforts, you truly made our home purchasing experience pleasurable."


    - CAShockley

  • "From start to finish Pam was awesome!!! She told us exactly what would happen and there were no surprises. She gave us information quickly and eased our concerns. We have already recommended her to friends and family. We would use her services again."


    - robinbalz

  • "Pamela Baker is passionate about her profession. She has handled all of our mortgages since the day she entered the mortgage business. In each case, her performance was unparalleled to any of our previous experiences. Pam is a savvy business woman, energetic and cares about helping people. She is a dedicated contributor to the Habitat for Humanity, and that is evidence of the passion she has for putting people in their homes."


    - laws llc

  • "Pam and her team were great! No pressure and always available to answer the ton of questions I had as a first time buyer. I am not sure I would have purchased a house without the help from Pam Baker I did not think we could qualify and Pam worked with us to make sure we got a great rate."


    - Josh larson83

  • "On Q Financial really hit it big with Pamela Baker. The process of buying a house went from being a stressful ordeal to a smooth flow of events because she is thorough, keeps you well informed and amazing at follow up. She is a prime example of how to make buying a home an easy and stress free experience. I am forever grateful for all her help. I closed on time and to the specifications of what I needed. She worked incredibly hard and was always available when I needed her. Thank you for everything Pamela!"


    - janetowens14

  • "Pam is amazing. We worked with her on our first house almost 5 years ago and knew we wanted to work with her again on our new house. She is super knowledgeable, responsive and easy to work with. She kept us informed troughout the loan and sale process. She went above and beyond the call of duty! We had some issues with our buyers lender and Pam was instrumental in keeping the transaction intact for both parties. She treated us pretty much like family. We highly recommend her. She’s the best!"


    - donna e.

  • "I am a repeat customer with Pamela and both experiences were exceptional. The first experience was the original purchase of my home in Show Low, We were relocating from out of state and had no contacts in the area. Pamela helped us through the difficult process of qualifying after a previous short sale. She was always honest and helpful through the process. This year we re-financed our property and once again the process was great."


    - tturley14

  • "I’ve worked with Pam for 15 years on various mortgages and refinances. She gets the job done in a professional and timely manner and is great at making the process easy and stress free for me. Her honesty and integrity are top notch. I’m thrilled with her services and I highly recommend Pam."


    - vickie95

  • "For us, trying to get approved for a mortgage loan was a stressful approach, and uncertain, since we had a credit issue, but we were wrong thinking so, As we met Pam we already felt from beginning our stress started coming down, Pam was so honest and experienced how she took our mortgage loan process, she tirelessly worked to make our loan possible,

    Pam’s communication was exceptional, she was not dealing as a “Mortgage Officer”, she was all about being friendly, honest, professional, we felt very comfortable working with Pam, she explains everything, she works for client, not for herself,

    If a loan or financing was an everyday issue, we would definitely prefer to work with Pam everyday,"


    - jtash2

  • "Pamela Baker and her team were absolutely extraordinary! They were clear in their communication throughout the loan approval process and made the home buying experience very pleasurable. I highly recommend the Baker Team for all of your mortgage needs."


    - george laughton1

  • "Pam was great to work with. She is very knowledgeable, professional and knows what it takes to have the highest chance of approval. She’s not afraid to tell you if there is a problem and will work with you to solve it. I would highly recommend her to anyone needing mortgage financing."


    - ladyclayshooter

  • "Having purchased and financed multiple properties, I can say the the experience with Pamela Baker was top notch. Pamela and team are by far the most organized, proactive and professional that I have encountered. They made the process clear and efficient, especially considering the new/complex lending requirements. I would recommend her services to anyone."


    - acary5

  • "We were moving to Arizona from out of state and first time home buyers and really appreciated all the help we got from Pam and her team. We had so many questions and felt like all of them were addressed and we were never made to feel like it was a “dumb question”! Pam and her team walked us through every step of obtaining our mortgage and we would highly recommend Pam and her team!"


    - Mammamia4026

“You can depend on The Baker Group to use our extensive knowledge and experience to help you obtain a mortgage that fits your specific financial needs and goals.”

Pamela Baker

On Q Mortgage Consultant - On Q Financial

14275 North 87th Street #210, Scottsdale, AZ 85260
View Map


480.444.7128
602.999.0829
480.444.7178
pam.baker@onqfinancial.com

View the On Q Blog for News and Updates

Visit the On Q Blog