Thao O'Connor
Mortgage Loan Originator · NMLS #2428188
Licensed in: WA
About Thao
Buying a home, refinancing, or building - it is one of the largest financial decisions most people make, and the person handling your loan makes a real difference to how it goes.
Rates and loan programs change constantly. My job is to know what is available today, explain what it means for your situation in plain language, and get you a straight answer quickly.
Have a look at the loan programs and calculators on this site. When you are ready, start an application or send me a message and we will talk it through first - either way, you will hear back from me.
Latest from Thao
- Increasing Home Affordability with Temporary Buydowns
October 21, 2025
Buying a home in a market with higher interest rates can be challenging, which is why it’s important to explore every available financing option. One effective but often overlooked strategy is the temporary interest rate buydown, which can make homeownership more affordable in the first few years of a mortgage. Whether you’re a first-time buyer or a real estate agent helping clients, understanding how temporary buydowns work can open more opportunities and increase purchasing power.
- Early 2026 Conforming Loan Limits Give You A Financing Advantage
October 7, 2025
While the official 2026 loan limits haven’t been released yet, we’re already able to offer the projected higher limits. This early adoption allows borrowers to qualify for higher loan amounts while still using conventional financing, which can make a meaningful difference for those shopping in higher-priced markets. It can also help buyers avoid jumbo loans altogether, which may simplify the approval process and reduce monthly payments.
- Could This Be a Turning Point for Buyers?
September 2, 2025
If you have been keeping an eye on the housing market, there is finally a sign worth noting. After months of economic uncertainty and a cautious stance from the Fed, buyers are starting to see some progress. Mortgage rates have now dipped just below 6.5%.
- Rates Just Dropped To Their 2nd Lowest Levels In Two Years
August 5, 2025
Mortgage rates have taken a welcome dip, giving both homeowners and buyers an opportunity to act before the market heats up again.
What clients say
Second time we work with Brody and Thao from Barrett Financial, this time for a rental. Again very pleased with the process, timely, they communicate fast and reasonable priced.
Christos P.
Message Thao
Send Thao a note and they will come back to you directly. No obligation, and no credit check to get a rate quote.
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No obligation, and no credit check to get a rate quote.