895 Island Park Drive Suite 202
Daniel Island, SC 29492 Mobile 740.953.3026 Tel 843.628.5665 [email protected]

Schedule a call
- monday: 9:00AM – 5:00PM
- tuesday: 9:00AM – 5:00PM
- wednesday: 9:00AM – 5:00PM
- thursday: By Appointment
- friday: 8:00AM – 5:00PM

Your Local CrossCountry Mortgage Loan Officer

Darryl Baker Jr.

Senior Loan Officer
Daniel Island, SC Mortgage Loan Officer
NMLS # 979097

I love guiding first-time buyers home

I’m Darryl Baker Jr., and I have closed more than 800 loans throughout my career, helpingclients secure over $234 million in mortgage financing. I bring experience, perspective anda consultative approach to every client I serve.

I believe getting a mortgage should involve more than simply completing a transaction. Iapproach lending as a consultant, taking the time to help you understand your financialoptions and the decisions behind them, not just the loan itself. Whether you’re buying ahome, refinancing or exploring how to use your home equity, my goal is to help youunderstand your options, ask the right questions and make a decision that fits your biggerfinancial picture. With personalized service and the support of America’s #1 RetailMortgage Lender, I’m committed to helping you navigate the process with confidence andfind the mortgage solution that best meets your needs.

At the heart of my approach is a simple philosophy: educate first, provide honest guidance,and make the mortgage process feel less overwhelming and more personal every step ofthe way.

Let’s Find the Right Loan

2025 Scotsman Guide Top Mortgage Lenders Award

2025 The Plain Dealer Top Workplaces Award

Guides and resources

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How much will your mortgage payment be?

Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

A woman in her home office is excited to learn about down payment assistance options.

A family celebrates achieving their dream of owning their first home.

A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

Down Payment Assistance

Turn years from now into today

Saving for a down payment can be a challenge, we get that. With our variety of down payment assistance (DPA) programs for conventional and FHA loans, you could buy a home with little or no cash.

For most of these programs, one buyer must be a first-time homebuyer, and homebuyer education and other requirements may apply.

We make home happen. Contact me today to see which option is best for you.

Learn more

Buying Your First Home Is Possible

Are you dreaming of owning your own home, but it feels impossible to get started? Navigating the homebuying process can be overwhelming, but you’re more ready than you think!

We guide you every step of the way – simplifying the process and shaping your homebuying power, so you feel confident all the way home.

Let’s get started

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief.

Financing options:

Home loans with as little as 3% down
Temporary buydowns to lower your mortgage rate at the start of your loan
Down payment assistance from national and state programs
Personalized home financing solutions

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!

Take the first step toward homeownership. Let’s discuss your options today.

Contact me

Darryl’s Reviews

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Mortgage checkup time.

Your home needs regular maintenance and so does your mortgage. Now is the perfect time to evaluate your current home loan. Could you save with a refinance? Tap into your home equity to ease your cash flow? Contact us for a complimentary review.