One person. Every step. Start to finish.
I don't pass your file around a department. I personally handle your loan from the first phone call through funding — and I make sure you understand every step along the way.
Financing structured around your goals
Every client is different. I take the time to understand what you're trying to accomplish and build the loan strategy to match.
Purchasing
I walk first-time and experienced buyers through the entire financing process — from pre-approval strategy to coordinating a smooth closing.
Refinancing
If there's a way to lower your rate, reduce your payment, or pull cash from your equity — I'll find it and show you exactly what the numbers look like.
Down-Payment Assistance
Most buyers don't realize how many grant and loan programs exist to reduce out-of-pocket costs. I identify what you qualify for and build it into your financing.
DSCR Investor Loans
No W-2s, no tax returns. I structure investor loans based on property cash flow — ideal for scaling a rental portfolio without the documentation headache.
Competitive Rates
I shop across lenders so you don't have to.
Investor Specialist
14+ years structuring deals most lenders won't touch.
You deserve a lender who actually picks up the phone
Most mortgage companies route you through a sales team, then hand you off to processing. You never talk to the same person twice. I do it differently — you work with me directly, every step.
As a broker through Barrett Financial Group, I have access to dozens of wholesale lenders. That means more loan products, better rates, and terms that a single bank simply can't offer.
From first call to closing table
A straightforward process with one person handling it all.
We Have a Conversation
Tell me where you are — buying, refinancing, investing — and I'll tell you exactly what your options look like based on your situation today.
I Build Your Strategy
I analyze your finances, shop your loan across lenders, and come back with a concrete plan — rates, terms, costs, and timeline laid out clearly.
I Manage the Process
From application through underwriting and closing, I personally manage every step. You'll always know where things stand and what comes next.
You Close With Confidence
No surprises at the closing table. I make sure every number, every document, and every deadline is handled before you ever sign.
Straight answers to the questions I hear most
FAQ
What does it cost to work with you?
My compensation is built into the loan — the same way it works with any lender. There's no separate consulting fee. You get personalized service at competitive rates.
Are you a lender or a broker?
I'm a licensed mortgage broker through Barrett Financial Group. That means I shop your loan across dozens of wholesale lenders instead of being limited to one bank's products. More options, better rates.
What areas do you serve?
I'm based in Sacramento, CA and licensed to originate loans in multiple states. Contact me to confirm coverage in your area.
How fast can you close?
Most purchase transactions close in 21–30 days. DSCR and investor deals often close faster because there's less personal documentation to process. Refinances vary by complexity.
Let's figure out your best move
A quick conversation is all it takes. Tell me what you're working toward and I'll lay out your options — no pressure, no obligation.