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Welcome! Let’s get you started.

Denise Baker
Loan Officer

Call or text:  330.719.5217

Email:  DBaker@homesavings.com

Stop by:  998 Third St., Beaver, PA 15009

NMLS #288338

As your Trusted Advisor, I'm here to help.

You come first. That’s why you deserve someone with a long history of mortgage lending experience who will pay attention to you. I pride myself on providing only the best customer service, which I’ve been doing for 29 years. Whether it’s time to buy your first home, refinance or build a home, together we’ll thoroughly review your mortgage needs and select the program that best fits your lifestyle. I’ll guide you through the loan process from application to closing, keeping you informed along the way and ensuring that every stage goes smoothly. And with Home Savings Bank, you’ll always get a competitive rate and reasonable closing costs.


Customer Reviews:

"Denise Baker was excellent! She always answered my million calls and calmed me down whenever I was overwhelmed. I would definitely recommend her & Home Savings Bank in the future! Thanks Again!!!"
~ Ashley, Beaver, PA

"As a first time home buyer I had a lot of questions. I felt very comfortable with Denise Baker and she was always patient."
~ Joe, Youngstown, OH


Free pre-qualification:

I'm available to meet with you any time to make sure your current mortgage is still the best option for you. Knowing how much home you can afford is a benefit to you when you’re house-hunting. You’ll be able to focus on shopping within your budget and will save time when you’re ready to make an offer. Plus, having a pre-qualification provides you with a negotiating tool.

Call or email me to get pre-qualified today.


Applying online is quick and easy:

Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check your loan status at your convenience.

Just click the apply button to get started!


NOT a deposit. NOT FDIC insured. NOT insured by any federal government agency. NOT guaranteed by Home Savings Bank.
Insurance products are provided through Home Savings Bank’s affiliate, James & Sons, a licensed insurance agency.
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Home Savings Bank, Corporate Headquarters

275 W. Federal St., Youngstown, OH 44503

330.742.0500    |    1.888.822.4751    |     webmail@homesavings.com

NMLS #494727    |    MEMBER FDIC