Real results from real experience
I'm Jason Whigham — a mortgage professional with over 25 years of hands-on lending experience. Whether you're purchasing, refinancing, or investing, I personally walk you through every step until you close.
Lending solutions built around your situation
Every deal is different. I take the time to understand your goals and structure the financing to match — not the other way around.
Purchasing
From your very first pre-approval to the moment you get the keys — I handle the financing so you can focus on finding the right home.
Refinancing
Want a better rate, lower payment, or cash out equity? I analyze your current loan and show you exactly what a refi would save.
Down-Payment Assistance
Most buyers leave money on the table. I match you with grants and programs that can dramatically reduce your out-of-pocket costs.
DSCR Investor Loans
No tax returns, no W-2s. I structure deals around your property's cash flow so you can scale your portfolio without the paperwork headache.
Purchase & Refinance
Hands-on from application to keys
Loan Structuring
I match you with the right loan product — FHA, conventional, VA, USDA, or non-QM — based on your actual numbers
Rate Negotiation
I shop across multiple lenders to lock in the most competitive rate and terms for your scenario
Closing Coordination
I manage the timeline from application through funding so nothing falls through the cracks
Investor Lending
14+ years focused on investor deals
DSCR Financing
Qualify based on the property's income potential — no personal tax returns or pay stubs required
Portfolio Strategy
Whether it's your second property or your twentieth, I help you structure deals that scale
Fast Execution
Streamlined underwriting means most investor deals close in weeks, not months
I don't hand you off — I handle it myself
When you work with me, you get a single point of contact from the first phone call to the closing table. I personally review every file, negotiate every rate, and solve every problem that comes up along the way.
25+
Years in lending
14+
Years investor focus
Purchasing
Pre-approval through closing, handled personally.
Refinancing
Better rate, lower payment, or cash in hand.
Direct Access
You talk to me — not a call center, not an assistant.
The difference between a lender and your lender
Big banks give you a 1-800 number. Online lenders give you a chatbot. I give you my cell phone and 25 years of experience getting deals done that others can't.
- You Work With Me Directly
- No handoffs, no junior processors learning on your file. I personally manage every transaction from start to finish.
- Broad Lender Access
- As a broker through Barrett Financial Group, I shop your loan across dozens of lenders to find the best rate and terms available.
- Investor Expertise
- 14+ years focused specifically on investor lending — DSCR, non-QM, portfolio loans, and complex deal structures.
- Straight Talk
- I tell you what's realistic upfront. If a deal doesn't work, I'll say so and show you what needs to change before it will.
Barrett Financial Group
Backed by a full-service brokerage with access to dozens of wholesale lenders.
NMLS# 1448396
Fully licensed, fully accountable — every transaction.
Always Available
Call, text, or email — I respond same-day, every time.
What our clients say
“Thank you Team Whigham for getting our family a low rate while paying off school loan debt. I am grateful for your team and your great services during this time.”
— J. Rodriguez
“Your process was painless and the customer service was incredible. My family and I truly appriciate your guidance throughout the refinance process. Thank you a ton.”
— Jen W.
“I have been working with Jason for an entire year while my new home construction was underway. Jason and his team performance was exceptional throughout the entire process! He was not only knowledgeable about loans and processing them but he delivered his services and products with the utmost professionalism. Jason personality is an asset to the company. He makes you feel at ease during a sometimes stressful situation. I definitely will be a return customer and the recommendation I refer.”
— Turquoise D.