Barrett Financial Group L.L.C., provides access to funding in all states except New York.
(New York Coming Soon)
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With BFG Lending, you can count on expert knowledge, industry-leading service, and product specialization for all your mortgage needs.
🌟 Discover the reason behind the increasing preference for home loans in America – your very own, committed team at Barrett Financial Group!
✅ Self-Employed Home Loans
✅ Investor DSCR loans
✅ No Tax Return Home Loans
✅ Cash-Out Refinance For All Loan Types
✅ Jumbo Mortgages
✅ FHA Home Loans
✅ VA Home Loans
✅ Hard Money Loans
✅ Conventional Loans
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We offer comprehensive solution-based options for self-employed and 1099 borrowers. Plus, there's no requirement for tax returns!
You can provide proof of income through gross bank statement deposits, 1099 forms, CPA letters, or P&L statements. We offer same-day approval for self-employed income and credit.
The DSCR Investor Loan is a highly favored mortgage option for buying or refinancing rental real estate. It's tailored for investors and assessed primarily on the Debt Service Coverage Ratio (DSCR) of the property in question. What sets it apart is that it usually doesn't necessitate details about the borrower's income, employment status, or tax returns. This simplified process makes it a top choice among real estate investors.
If you're looking to consolidate debt, pay off a student loan, or tap into your property's equity for a new investment, we've got you covered. Our cash-out refinance options are available for your primary residence, second home, or investment property. Whether you're a traditional full-document borrower, self-employed, or seeking our "no tax return" mortgage products, we have solutions for you.
Having good credit and a down payment is a great start, but we understand that life can throw unexpected challenges your way. Whether you've recently gone through a divorce, are between jobs, or enjoying retirement, there are many reasons why you might need a low-documentation loan for a quick and easy funding process. That's where our No Income, No Employment & No Tax Return Loan comes in to provide you with the support you need.
FHA loans are a type of government-backed mortgage insured by the Federal Housing Administration. They are specifically designed to assist first-time homebuyers, individuals with lower credit scores, and those who have limited funds available for a down payment in achieving their goal of becoming homeowners.
FHA loans offer a 3.5% down payment option and can even allow for no down payment through available assistance programs, making them attractive to many homebuyers today.
A Jumbo Home Loan, also referred to as a Jumbo Mortgage, is a unique financing option created for individuals seeking to buy a home that surpasses the loan limits established by government-sponsored entities such as Fannie Mae and Freddie Mac.
These loans enable you to borrow larger sums of money, making it possible to finance high-value properties. This offers you the freedom to invest in your ideal home without being restricted by loan limitations.
A VA Home Loan is a specialized mortgage program aimed at helping veterans, active-duty military personnel, and eligible surviving spouses buy a home. This valuable benefit is offered by the U.S. Department of Veterans Affairs (VA) to show appreciation and provide support to those who have served our nation.
With a VA Home Loan, you can eliminate the substantial down payments that often pose a major obstacle for many homebuyers. In most instances, no down payment is necessary!
Explore the potential of Hard Money Mortgages and capitalize on opportunities that conventional loans might not consider.
A Hard Money Mortgage is a distinctive financing option designed for real estate investors, entrepreneurs, and homebuyers who prioritize quick access to funds, flexibility, and innovative financial solutions. Unlike traditional loans, Hard Money Mortgages are based on the asset's value, using the property as collateral, rather than relying heavily on your credit history or income.
To begin the mortgage process, it's crucial to have a comprehensive conversation with your loan officer to determine your specific needs.
After gaining a deep understanding of your loan options, you will receive a formal, written rate quote. Once you are entirely content with the loan terms, you can confidently proceed with the approval process. The licensed BFG team is fully prepared to assist you through these steps. Click "learn more" or "book a consultation" to initiate the process today.
When you receive pre-approval for a loan, sellers and their agents consider you a serious and trustworthy buyer. This can enhance your negotiation leverage, particularly in terms of price, as they are aware of your financial capacity to complete the purchase if they accept your offer.
In most cases, we can offer formal credit and income approval within the same or next day for your submissions. Feel free to give us a call today, and let us assist you in getting pre-approved.
Once you're under contract to purchase a property or ready to begin your refinance, we'll guide you through the final underwriting process. Your loan officer will supervise and manage the appraisal and title procedures, secure your final approval, and complete the loan process by delivering the necessary loan documents to your closing company. With the right team by your side, the entire loan process can be straightforward and hassle-free.
Rest assured, we'll ensure you reach the finish line with a successful outcome!