Dawn Millham-Baker
 MEET DAWN MILLHAM-BAKER
Dawn Millham-Baker has built her business on the dual foundations of experience and service, and her success in doing so is demonstrated by her large client base and the tremendous number of referrals she receives from past clients.
Recognized as one of the top producers in the local retail mortgage industry, Dawn has an in-depth knowledge of a wide array of mortgage products and is an expert at crafting customized mortgage packages designed to meet each client’s individual goals. Whether her clients are first-time buyers or experienced home owners, they can count on Dawn get them the best loan program – including rate, APR, and terms – for their needs.
She begins the process by evaluating her client’s current financial situation and where he/she wants to be down the road. Based on this information, she and her client mutually decide on the program that best fits the buyer’s unique circumstances. In addition to the interest rate, some of the other issues Dawn considers before identifying the most advantageous loan include down payment assistance, limited documentation, lowest monthly payment, lowest PMI exposure, etc.
With more than 20 years in the retail mortgage industry, Dawn has been with USA Mortgage since its inception. She believes that the company’s mission reflects her own core values, both personally and professionally. Her unreserved commitment to her clients mirrors the company’s determination to do whatever it takes to make customers “clients for life.”
Dawn combines her experience in retail mortgage lending with an exceptional level of personalized service. She is available 24/7 for her clients and is the person they turn to for advice in making the kinds of purchase, refinance, and investment decisions that arise during the course of home ownership.
Dawn gives freely of her time and expertise to ensure that her relationship with her clients does not end at the closing table but continues and endures. As her clients encounter situations that demand the advice and support of an experienced mortgage lender, Dawn encourages them to call her with any questions they may have.
She is an innovative mortgage loan officer who can think outside the box, and she is as reliable as she is creative. Dawn doesn’t promise things she can’t deliver. She helps her clients set realistic expectations, works hard to get them the most favorable terms, keeps them informed about the progress and status of their loan, and makes the mortgage process as simple and smooth as possible.
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 USA Mortgage is a St. Louis-based, independent mortgage banking company. To the borrower, that means we control all aspects of the loan process, from originating the loan to closing and funding it with our own money. We pride ourselves on the lending excellence and the superior level of service that our status as a mortgage banker enables us to provide.
With no part of the process being outsourced or brokered, our clients experience a degree of service and communication that few, if any, firms can duplicate. We partner with every major financial services firm in the country to accommodate any financial situation. We are not a broker who acts as a mere intermediary with no ability to control each part of the process, nor are we an actual bank which typically specializes in checking and savings accounts and often views mortgages as a “necessary evil” rather than a core product or service.
At USA Mortgage, we know that the purchase of a home is a large investment - financially and emotionally - and we know that borrowers have many options. Our clients choose us because we keep fees to a minimum; provide speedy pre-approvals and low competitive rates; offer a diverse array of loan products and programs to fit individual needs; and ensure smooth, problem-free closings.
Our dedicated staff of more than 80 experienced and skilled loan officers, underwriters, processors, and closers truly makes the difference. They are focused on providing clear communications and ongoing follow-up with our clients, and their service-oriented attitude makes the entire process what it should be - a dynamic and positive experience.
We want you to be our client for life … and we treat you accordingly. Our goal is to build lasting relationships that continue past the closing table and that enable each and every person who relies on us for their financing needs to “bring home the American Dream.”
In 2007, the St. Louis Business Journal again named USA Mortgage one of the top residential lenders in the St. Louis metropolitan area.
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