WE MAKE IT HAPPEN

 

Getting a home loan shouldn't be complicated. Enjoy a more personalized loan experience with our in-house mortgage lender powered by Barrett Financial Group. With access to over 100 wholesale lenders, we'll shop around for the best interest rate so you don't have to. Saving you time and headache!

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NO LENDER FEES

Pay NO application, origination, or underwriting fees on all qualifying mortgage transactions!

APPLY FOR A REFINANCE

FASTER & EASIER

As an independent broker, our wholesale lenders compete for our business, with minimum guideline overlays and quick closings – often in 15 days or less! 

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YOUR HOME BUYING JOURNEY STARTS HERE

 

GET PRE APPROVED

Before beginning your home search, your first step should be to get pre-approved. This will let you know the amount of financing you can obtain and what your monthly payment would be. This is also the time you should have your initial buyer consultation and sign a buyer broker agreement with your agent.

Find Dream Home

Once you've set a price range that works within your budget, search homes on our interactive site and work with your agent to find your dream home that best matches your needs. Once you find your desired home, you will submit a purchase and sale offer and if accepted you will begin the close of escrow process. 

Close
Often referred to as being "under contract." This process usually takes about 30 days from the initial accepted contract date. Once you have cleared your 10 day inspection period and all loan conditions, you're then able to schedule your closing! This is when you will receive your keys and take ownership of your new home!

WORK WITH THE RIGHT TEAM

 

Our specialty is getting deals done that others simply can't. Guiding, coaching, and preparing you throughout the mortgage process to ensure you're following the right playbook. Whether you are buying your first home, your dream home, or refinancing our team will make it happen.

 

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CONVENTIONAL & JUMBO LOANS

Ideal for borrowers with higher income & strong credit. With conventional loan options starting at only 3% down! Jumbo loans would simply be a loan size greater than the limits set by Fannie Mae and Freddie Mac.

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FHA LOANS

A great option for first-time homebuyers with less than perfect credit. With a minimum requirement of only 3.5% down! FHA loans are government backed loans, insured by the Federal Housing Administation under HUD.

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USDA LOANS & FIRST TIME HOME BUYER PROGRAMS

Down payment assistance & USDA programs allow for 100% financing! These programs are often subsidized through federal, local or non-profit organizations & certain requirements must be met.  

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VA LOANS

Designed for military veterans, VA loans are mortgages guaranteed by the VA, offering exceptional benefits, including low interest rates and no down payment requirements!

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NON-QM LOANS 

We offer Non-Qualifying & Non-Traditional Mortgage options such as alternative documentation, bank statements, fix & flip, new construction, commercial, multi family, Investor, Hard Money & DSCR Loans!

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HELOC'S & HOME EQUITY LOANS

A Home Equity Line of Credit allows homeowners to borrow against the equity in their home. Take advantage of your equity by turning it into cash!

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A TOP RATED MORTGAGE BROKER

Whether you're buying, selling, or refinancing, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a professional who can give you quick and accurate financial advice.

 

We recognize you have a choice when it comes to working with a mortgage professional and we look forward to earning your trust. Check out what some of our past clients are saying below.

LOAN TEAM

James Lessa
James Lessa

Sr. Mortgage Broker

Amy Romero
Amy Romero

Loan Processor

Theresa Collier
Theresa Collier

Loan Processor