49 + DC
States where we’re licensed
You Make it a Home.We Make it Happen.
A broker works for you
Barrett is a mortgage broker. We take your file to a panel of lenders and bring back what each one will offer. You don’t get squeezed into one bank’s rules. First home, next home, or a refinance on the one you’re in, we do the same work. We find terms that suit your situation and tell you why.
Awards & Recognition
2,300+
Loan officers
2002
Independently owned since
Loans for every stage of ownership
Conventional Fixed Rate (FRM)
One rate and one payment for the whole term. The straightforward choice if your income is steady and you plan to stay put.
Fixed-rate detailsAdjustable Rate Mortgage (ARM)
Opens at a fixed rate for a set number of years, then adjusts at intervals. Usually a lower start, in exchange for a payment that can move later.
ARM loan detailsFHA Loans
Government-insured, with a smaller down payment and more room on credit than conventional financing. Built for buyers who are ready but don’t have a large down payment saved.
FHA loan detailsVA Loans
Guaranteed by the Department of Veterans Affairs. No down payment and no monthly mortgage insurance for eligible borrowers, subject to the VA funding fee and its exemptions.
VA loan detailsJumbo Loans
For a purchase above the county conforming limit, where the standard programs stop and a different set of guidelines takes over.
Jumbo loan detailsInterest Only Mortgage
Payments cover the interest alone for an agreed period, then step up to include principal. Written as either a fixed or an adjustable rate.
Interest-only detailsDown Payment Assistance
Grants and second loans that cut what you need in cash at the table. Often stackable with an FHA or conventional loan.
Down payment detailsUSDA Loans
No down payment, for buyers in a qualifying rural or suburban area whose household income is within the limit for that county.
USDA loan detailsReverse Mortgages
Turns part of the equity in your home into cash from the age of 62, with no monthly mortgage payment while you live there.
Reverse mortgage detailsSee every program we place
Nothing above quite fits? There’s more, and we’ll help you narrow it down.
See all programsHow it works
Talk to a loan officer
Find someone licensed in your state and tell them what you’re trying to do. No application, no credit pull.
We price it out
We’re a broker, so we put your file in front of multiple lenders and bring back what each one will offer.
Choose, and apply
Once the numbers make sense you apply online, and your loan officer stays with the file from there to closing.
Talk to a loan officer
Buying, refinancing, using the equity you already have, or still weighing your options. Find someone licensed in your state and talk it through.