Dawn Baker, St. Louis, Missouri Mortgage Expert (Vice President of USA Mortgage, St. Louis, Missouri) Mortgage and Lending



Dawn Baker
St. Louis, Missouri Mortgage Expert
location_on Saint Charles, MO — Vice President of USA Mortgage, St. Louis, Missouri
Get to Know Dawn Baker

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.



Refinances/ cash out refinances

Long term locks

Renovation loans (203k)

Investment property

Single family - 4 family


Fixed rates./ adjustable rates



Over 20 years experience as a full service mortgage banker in St. Louis, St. Charles, & all surrounding counties in Missouri & Illinois. Specializing in FHA/ VA, Conventional -MHDC/ USDA.