Ethan Baeza

The Elite Team The CHEF Team

Loan Originator

NMLS #2245886

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CALL ME

Office: 432.219.7165

Call or Text: 432.603.2576

Fax: 432.203.3419

EMAIL ME

[email protected]

LOCATION

4920 N Midkiff Rd,
Midland, TX 79705

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About me.

2025 Scotsman Guide Top Originator | 2026 Scotsman Guide Top Originator

I'm Ethan Baeza, a Mortgage Loan Originator with Cardinal Financial and founder of The CHEF Team. I believe every client deserves more than a loan; they deserve a mortgage experience thoughtfully crafted around their unique goals.

The CHEF Team was inspired by the belief that, just like a great chef creates a personalized masterpiece, every mortgage should be prepared with the right ingredients: expert guidance, clear communication, attention to detail, and exceptional service.

Whether you're purchasing, building, or refinancing, my team and I are committed to delivering a seamless, concierge-level experience from application to closing.

Outside of work, I'm a proud husband to Emely, proud dad to Elaine, and proud dog dad to Ellie and Emma—our "E Family." When I'm not crafting mortgage solutions, you'll usually find me in the kitchen creating meals for the people I love most.

Let's connect.

Your home buying or refinancing journey starts here. Fill out the form to get in touch.

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My reviews.

Loan process
overview.

Getting a mortgage or securing a better rate with a refinance doesn’t have to be a migraine. Here’s a high-level look at the process.

Connect and apply.

First, get your free quote. Then one of our loan originators will be in touch to say hey, discuss your goals and options, and walk you through the application process.

Lock and close.

Whether you’re purchasing or refinancing, our underwriting team crosses the t’s and dots the i’s to verify your info. We’ll update you on your progress every step of the way.

Make yourself at home.

Once your loan is locked and you’ve signed your closing disclosures, you either get your keys or you get on with your life in the home you love, with the rate you deserve.

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options.

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