Purchase & Refinance Mortgage Solutions
As an independent loan originator backed by Barrett Financial Group, I have access to over 180 wholesale investors. That means we aren't tied to a single bank's underwriting menu — I shop top lenders to find the right loan program, competitive interest rates, and loan terms for your specific financial profile.
Core Forward Mortgage Options
General underwriting parameters for purchase, rate/term refinance, and cash-out refinance options.
Conventional & High Balance Loans
Standard and high-balance conforming loans structured under Fannie Mae and Freddie Mac underwriting guidelines. Available for primary residences, second homes, and investment properties.
- As low as 3% down payment for qualifying first-time buyers.
- High-balance limits available in designated high-cost counties (AZ & CA).
- Cancellable private mortgage insurance (PMI) upon reaching 20% equity.
FHA Government-Insured Loans
Federal Housing Administration loans designed to make homeownership accessible with lower credit score requirements and flexible down payment options under Ginnie Mae parameters.
- Minimum 3.5% down payment with flexible credit guidelines.
- Higher debt-to-income (DTI) ratio allowances compared to conventional loans.
- Streamline Refinance options available without appraisal in many cases.
VA Loans for Veterans & Military
Guaranteed by the Department of Veterans Affairs, offering active duty service members, veterans, and eligible surviving spouses significant home financing benefits.
- 0% down payment financing required for qualifying entitlement.
- No monthly private mortgage insurance (PMI) fee.
- VA Interest Rate Reduction Refinance Loan (IRRRL) for low-hassle rate drops.
Jumbo & Luxury Property Loans
Financing for high-value luxury real estate exceeding conforming loan limits. We shop multiple jumbo investors to secure competitive terms and flexible qualification methods.
- Fixed and Adjustable-Rate Mortgage (ARM) options available.
- Self-employed alternatives including bank statement qualifying.
- Higher loan amounts up to multi-million dollar property values.
When Should You Refinance?
Refinancing isn't just about lowering your interest rate — it can also shorten your loan term, convert an adjustable rate to a fixed rate, consolidate high-interest debt, or extract cash for home improvements.
Need a Fast Rate Comparison?
Give me a call or send a message with your current loan balance and property value. I'll run an instant wholesale market scan across our investor network.
Call Simone: (619) 804-7212Request Forward Loan ReviewAre You Age 55+ or Retired?
If you or your parents are over 55/62 and want to eliminate monthly mortgage payments or unlock tax-free equity for retirement, explore Reverse Mortgage options.