"This being my 2nd re-fi with RJ I would not have come back unless he was the best.  And he has again proven that he is.  :)  Thanks RJ"

Mike

Austin, TX

"Thanks for all your hard work on this. You have been great! In fact Linda and Dan told me at the closing table how impressed they were with you. I will recommend you to anyone I know and will definitely use you again in the future."

Troy

Salt Lake City, UT

"RJ was the best! Loved the email updates. The transaction could not have gone any smoother on the financing end."

Lisa, Realtor

Austin, TX

"You have been most helpful through this entire process and very professional. I can see why you probably get a lot of repeat customers. You have won our business and we will definitely come back to you when we need to refi again."

Harry and Judy

Milan, IL

"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

"RJ- You and I have worked on several deals together. You always seem to make even the impossible seem very doable. Your attitude is one of caring and understanding. It has been a pleasure doing business with you and we shall continue to use you as our go-to guy!!

I look forward to doing more business with you in the future and would highly recommend anyone seeking an individual that listens and truly understands the needs of the client to seek the help and customer service that only RJ Baxter can Provide."

Michael Johnson/Owner

Optimum Investments LLC

Charlotte, NC

"RJ- Let me say that your work was fantastic! You were proactive, engaged and kept us well informed. Everything went well and I appreciate your efforts.

I would without hesitation recommend you to any of my military contacts as a good lender to work with.

Please send me a good contact e-mail for your supervisor. I'd like to express to them my great satisfaction with your handling of our loan."

Rich

Bristow, VA 

"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 

About First Mortgage Corp

RJ Baxter's Core Values

Honesty and integrity above all else in life and in business

Create a raving fan culture with each client, one at a time

A commitment to life-long learning

Respect and understanding for the values and ideas of others

Business Philosophy

RJ's core purpose is to serve the needs of others and to help people obtain the American Dream of home ownership. His business is relationship-based and he believes in a client-for-life philosophy. RJ has developed a service platform around this philosophy which is focused on exceeding the expectations of his clients and other parties involved from Realtors to Title Companies to Appraisers. RJ believes that if he is doing his job correctly, his job as your professional mortgage advisor just begins when your first loan closes with him because from there it is his job to continue to advise you on how to use your mortgage to fit into your overall financial plan.

About RJ

RJ has been in the real estate business for over 5 years. His background as a teacher gives him the unique ability to explain the loan process in an understandable way and coach his clients through the process.

RJ grew up in Cedar Rapids, IA and studied teaching at the University of Iowa. After graduating from Iowa, he spent several years traveling and having life experiences. For three years, RJ was a professional paintball player, spending one of those years In Copenhagen, Denmark playing with the Danish team. After that, he spent 2 years as a teacher, one of those years in Tegucigalpa, Honduras at the American School.

After a winter in Taos, NM working at the ski resort, RJ settled down in Colorado in 2001. It was there that he began his real estate career, earning his real estate licensure in 2001. Shortly thereafter, he began his career as a mortgage banker.

RJ was married on October 15th, 2005 to Lynn Marie Murphy in Doylestown, PA.  They have two children, Chase age 2, and Ava, 4 months.

Quick Quote

”Thank you for everything you have done for me. A banker around here couldn’t/wouldn’t be half as helpful. If I need you in the future I will certainly contact you and if I can send you any referrals I will.“

Tim

York, SC

”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

"My husband and I began searching for a mortgage lender in the fall of 2003. Unfortunately, because we had some credit problems, our search became quite frustrating. Several lenders made us feel very uncomfortable; they were, for the most part, rather pretentious and dismissive. Many lenders said that they simply could not help us—others offered help, but then faded away, never followed up by returning phone calls, etc. We felt we were being judged—our credit scores seemed to determine our worthiness as people. We were devastated not only because of the apparent credit problems, but by the attitudes and the sense of disrespect we felt from various lenders. All of that began to change, though, when we found R.J. Baxter. For the first time in our home-purchase process, we felt some glimmer of hope. He helped us evaluate our credit reports, advised us on how to eliminate erroneous information, and guided us in restoring our credit. R.J. never made us feel embarrassed, and he stuck by us through the entire process—approximately ten months. At any time, if we had any questions or concerns, he was right there to answer questions and did so in a professional, dignified manner. Although he was physically many miles away from us, we felt he was right there. R.J. also helped us find a reasonable rate. He carefully evaluated various possibilities and provided us with the best loan for our particular needs. We have total faith and confidence in R.J. as our ”personal“ mortgage advisor. I know that he’ll continue to watch out for us and to help us. That kind of dedication and commitment gives us great comfort."

Liz

Starkville, MS