For Jennifer Baum, helping families unlock the doors to homeownership isn’t just a career—it’s

a calling. As a Mortgage Loan Officer with Life Changing Lending, Jennifer believes that every

home is more than an address; it’s a foundation for building financial stability and creating

generational wealth.

“I love showing people that homeownership isn’t out of reach,” Jennifer says. “Whether it’s a

first-time buyer or a seasoned investor, there’s always a way forward. My job is to simplify the

process, answer questions, and make sure families feel supported from start to finish.”

Her love of finance goes back decades. “It started with my very first checking account at 16—I

kept the register balanced to the penny,” Jennifer laughs. That early budgeting grew into a

lifelong passion. After graduating with a business degree, she began her career in retail before

quickly moving into banking and personal wealth management. For more than 20 years, she

worked in finance, helping individuals manage their money wisely and plan for the future. In

2021, she began investing in real estate herself, and shortly after made the leap into mortgage

lending.

Now, she gets to combine her passion for finance and real estate in a way that serves others.

“One of the things I love about working with Life Changing Lending is that I can help not only

with personal homeownership but also with investors who are growing their portfolios—whether

it’s rental properties or even larger commercial deals. I have a whole team of resources and

connections to help others grow in their businesses and dreams.”

Jennifer’s approach has always been rooted in education and empowerment. She takes pride in

walking clients through the details of financing step by step, ensuring they feel confident and

cared for during what is often the biggest purchase of their lives. She views her role as more than

lending—it’s about providing peace of mind, clarity, and encouragement when clients need it

most.

But Jennifer’s story goes beyond mortgages and closing tables. She’s a proud boy mom who

keeps faith at the center of her life. Her son is her “why”—the light that shines brightest and

brings her more joy than she ever thought possible. “Raising him will be my biggest

accomplishment,” she says with conviction. “God blesses us daily, and He’s my guidance in this

crazy, beautiful world.”

When she’s not guiding clients toward their dream homes, you’ll likely find Jennifer

outdoors—hiking trails, planning adventure vacations, or training for her next summit. (She’s climbed Mt. Langley, a 14,000-foot peak in California, three times!) Staying active with her son

(he loves snowboarding!) and embracing “all the wild things” together fuels her drive both

personally and professionally.

Jennifer believes knowledge is power, and she focuses on teaching buyers how to plan wisely--

understanding payments, setting aside emergency funds, and budgeting for peace of mind. She

thrives on helping others turn their dream of homeownership into reality.

“At the end of the day,” she says, “I’m not just helping with mortgages—I’m helping people

build futures, memories, and legacies.”

For Jennifer, mortgages aren’t just transactions. They’re stepping-stones to financial stability,

security, and wealth building. “Renters often don’t realize they’re already making a mortgage

payment—it’s just their landlord’s,” she explains. “Owning a home turns that monthly expense

into an investment in your family’s future.”

Generational wealth is a theme Jennifer returns to often. “When families buy homes, they’re not

just creating stability for themselves—they’re creating something lasting for their children and

grandchildren. Real estate is one of the strongest tools we have for passing down opportunity.”

That belief is what motivates Jennifer to approach every client with patience, care, and

determination. Whether climbing mountains or navigating interest rates, she sees each challenge

as an adventure—and one worth taking. “There’s nothing like handing someone the keys to their first home and knowing you’ve played a part in that milestone,” Jennifer shares. “That’s why I do what I do. It’s about changing lives one home at a time.”

Whether climbing mountains or navigating interest rates, Jennifer approaches every challenge

with faith, determination, and a spirit of adventure. She believes the same persistence it takes to

summit a peak applies to guiding families through the mortgage process—both require

preparation, resilience, and trust in the journey.

And if you ever need a guide—on the trail or on the path to homeownership—Jennifer Baum is

the one you’ll want leading the way.