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Your Local Ignite Mortgage Loan Officer

Since stepping into the mortgage industry in 2001, I’ve built my career on one principle: growth is never accidental—it’s engineered with vision, grit, and relentless execution.

I began my journey in wholesale lending, quickly expanding into secondary marketing, retail origination, and wholesale account executive roles within my first few years. In the early 2000s, I became one of the youngest account executives in the mortgage industry—a milestone that reflected not only ambition, but a deep commitment to mastering every layer of the business.

Over the past 20+ years, I’ve had the privilege of serving in key leadership roles across retail origination and as a mortgage broker, gaining comprehensive experience in virtually every facet of residential and commercial lending. From navigating shifting markets to leading high-performing teams, my focus has always remained the same: create opportunity, build strong relationships, and deliver results that exceed expectations.

As Divisional President and Co-Founder of Ignite Mortgage, my mission is clear drive strategic growth, empower our team, and elevate client service to a level that outperforms the competition. Ignite Mortgage was born from a powerful internal drive an extreme fire to build something different, something better. That same fire fuels our culture today.

Leadership to me means setting the pace, raising the standard, and never settling for average. We are building more than a mortgage company we are building a movement rooted in excellence, innovation, and unwavering dedication to our clients’ success.

After more than two decades in this industry, my passion is stronger than ever. The market evolves. Strategies shift. Technology advances. But one thing remains constant our commitment to helping clients win.

The fire that started this journey still burns and we’re just getting started.

Angel
Baez

Divisional President

NMLS #602438 

States Licensed: 

FL, GA, CA, MI, TN, MD, VA

Office Number : (954) 406-7266

Cell Phone : (754) 715-9226

Email : angel@ignitemortgage.com 

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Find The Right Loan

Purchase Loans

Refinance Loans

Specialty Loans

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Family Reviewing Blueprint

The FED dropped it's benchmark interest rate

What does this mean for you? Mortgage rates typically move in the same direction, although they aren't tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refinance work for you.

  • Get pre-approved for a purchase

  • Get pre-approved for a refinance

  • Calculate equity for a cash-out refinance

Frequently Asked Questions

How much does it cost to refinance?

Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

How much house can I afford?

To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.

What is a good credit score?

A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.

What is a HELOC?

 

A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.

How do I calculate mortgage payments?

To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.

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