Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.
Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.
After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.

As a dedicated mortgage loan officer, I pride myself on providing personalized, expert guidance to help individuals and families navigate the often complex world of home financing. With a wealth of experience in the mortgage industry, I understand that obtaining a home loan is more than just a transaction; it's a significant step towards achieving your dreams. My goal is to make this process as smooth and stress-free as possible for my clients. I take the time to listen to your unique needs and financial situation, ensuring that I can offer tailored solutions that meet your goals.
I specialize in a variety of loan products and programs, including FHA, VA, USDA, and Jumbo loans, as well as Conventional and Commercial loans. My extensive knowledge allows me to help you choose the right loan type that suits your financial landscape. I am also well-versed in refinance options like FHA Streamline and VA Cash Out, which can provide substantial savings and beneficial terms for homeowners looking to enhance their financial situation. I'm committed to finding you the best possible rates, including Low Mortgage Rates, because I believe everyone deserves an opportunity to achieve their homeownership dreams without breaking the bank.
In addition to traditional mortgage products, I am proud to offer a comprehensive range of specialized loan programs, such as Down Payment Assistance and Bank Statement Loans. These options are designed to cater to various financial situations, whether you are a first-time homebuyer or a seasoned investor. My extensive background in niche lending allows me to guide self-employed individuals or those with unique financial circumstances through the mortgage process seamlessly. I understand that every client is different, and I work tirelessly to ensure that your specific needs are met with precision and care.
When it comes to serving the vibrant community of Brookfield, I am particularly excited about the diverse range of properties available here. Brookfield is known for its beautiful neighborhoods, excellent schools, and family-friendly atmosphere. Whether you're looking for a cozy starter home or a spacious family residence, I can help find the right financing solution for your ideal property. As a local loan officer, I aim to provide tailored services that meet the unique needs of Brookfield residents while ensuring access to Low Mortgage Rates that can enhance your buying power.
In Waukesha, a city rich in history and modern amenities, I understand the importance of securing a mortgage that fits well with your lifestyle. Waukesha offers a blend of charming homes and newer developments, making it a great choice for many homebuyers. I am here to assist you in navigating the mortgage landscape, from guiding you through the pre-approval process to closing on your dream home. My commitment to transparency and communication ensures that you will never feel lost in the process, and you will always have access to information about Low Mortgage Rates and how they can benefit you.
Milwaukee is a city bursting with life, culture, and opportunities. As a mortgage loan officer serving this vibrant metropolitan area, I am aware of the diverse needs of its residents. From historic homes in charming neighborhoods to modern condominiums, Milwaukee offers something for everyone. My goal is to empower you to take that next step towards homeownership by providing you with all the tools and information necessary to make informed decisions. Whether you are interested in a Conventional loan, a Reverse Mortgage, or an Investor Loan, I will work hard to ensure you receive competitive financing options that incorporate Low Mortgage Rates, making your investment more affordable.
As a mortgage loan officer with deep ties to the communities of Brookfield, Waukesha, and Milwaukee, my mission is to help you achieve your financial goals through homeownership. I am passionate about providing exceptional service and building lasting relationships with my clients. My extensive knowledge of the local market and diverse loan products allows me to create customized solutions tailored to your individual needs. I look forward to the opportunity to work with you to secure the financing that will turn your homeownership dreams into reality.
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What our clients are saying
Augie and Sara were great to work with! First time home buyer. Augie answered any questions I had! Got a great interest rate also! Closing was smooth also!
Augie and his team were so helpful every single step of the way. I don’t think I’ve ever experienced faster responses from anyone when it came to questions or concerns. They explained everything very clearly and made sure we understood before moving forward. They are truly experts in their field and if we buy another home in the future they will be the first people we call!
Committed to giving you all the support and guidance you need.
A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.
On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.
An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.

Loan Originator
Barrett Financial | NMLS: 283725