Tailored Mortgage Financing — Forward & Reverse
Whether you're purchasing a home, refinancing, or evaluating a reverse mortgage for retirement wealth protection, I shop across 180+ top wholesale investors to find the right loan structure for your unique situation.
Forward Loan Options
Conventional, High-Balance, FHA, VA, Jumbo & Refinance solutions across top lenders.
Reverse Loan Options
HECM ($1.249M & under) & Jumbo Proprietary ($1.249M+) for clients, CPAs & advisors.
Simone DeLira
Senior Mortgage Originator
NMLS #1026144 | Barrett Financial
Why Choice Matters: 180+ Lenders, One Trusted Partner
Unlike single retail banks that offer only their internal loan menu, working with an independent broker gives you access to competitive pricing, specialized niche guidelines, and flexible loan underwriting.
Unbiased Loan Matching
Because not all investors offer the same guidelines or pricing, I evaluate your exact criteria and match you with the investor that delivers the ideal terms.
Niche Loan Solutions
From high-balance conventional limits and Jumbo Reverse lines of credit to VA, FHA, and proprietary bank-statement programs.
23+ Years Personal Guidance
A single point of contact from application to closing, keeping you, your realtor, and your financial advisor informed every step of the way.
Choose Your Loan Pathway
Home Purchase & Refinance
For homebuyers, move-up buyers, real estate investors, and homeowners seeking rate/term or cash-out refinancing.
- Conventional & High Balance: Conforming guidelines backed by Fannie Mae selling guides & Freddie Mac single-family standards.
- FHA & Government Loans: Lower down payment requirements and flexible credit thresholds under Ginnie Mae parameters.
- VA Military Loans: 0% down payment financing for eligible veterans and active-duty service members.
- Jumbo Purchase & Refi: Competitive non-conforming rates for higher-value luxury properties.
Equity Wealth & Retirement Options
For homeowners 55/62+ looking to eliminate monthly mortgage payments, access tax-free housing equity, or purchase a home without liquidating investment assets.
- HECM Refi & Purchase: Government-insured FHA HECM for home values up to $1,249,125.
- Proprietary Jumbo Reverse: Non-FHA reverse loans for luxury homes valued over $1,249,126 with higher payout limits.
- Reverse for Home Purchase: Buy your next primary residence using equity while eliminating monthly mortgage payments.
- Advisor & CPA Hub: Educational resources for financial planners managing sequence-of-returns risk.
Collaborating with Financial Advisors, CPAs & Estate Planners
Reverse mortgages are no longer a loan of last resort — they are a modern, tax-efficient financial planning tool. I provide financial planners and CPAs with educational insights, line-of-credit growth models, and housing wealth strategies to protect client portfolios from sequence-of-returns risk.
What Clients Say About Simone
Verified 5.0-star reviews from past buyers, refinancers, and advisors.
"Simone is the most knowledgeable, responsive loan officer that I have ever worked with. She presented well researched options, understood our situation well and was always trying to find the best solution. She is also remarkably articulate!"
"Simone was a dream to work with. As first time homebuyers, we had lots of questions at each stage of the financing process. She took great care to make sure we understood each step and closed escrow on time!"
"We worked with Simone on our home loan, and she got the approval for us in an extremely short period of time (about 15 days). Professional, efficient, and always available to answer our questions!"
Ready to Explore Your Loan Options?
Get personalized rate information and guidance. Choose whether you're looking for Forward purchase/refi options or Reverse mortgage solutions.