Barrett Financial Group · The Murrieta TeamLoan Programs
As a broker we shop hundreds of wholesale lenders on your behalf. Every program below comes with its own films or lessons — watch first, then talk to us.
Conventional
Classic financing, sharpened by broker pricing.
Who this loan is for
What’s required
FHA
Lower down payments for first steps onto the ladder.
Who this loan is for
What’s required
VA
Zero-down honor for those who served.
Veteran or active service member? The loan made for you.
The VA benefits worth knowing — $0 down among them.
Eligibility: who qualifies for a VA home loan.
How VA benefits extend to spouses and families.
Series finale — putting the benefit to work on your home.
Who this loan is for
What’s required
Jumbo
For the view lots and the vineyard estates.
When the home you want costs more than the limit.
Who gets the most out of a jumbo loan.
The main benefits — one loan for the high-value home.
How jumbo financing works, in three parts.
Series wrap — financing the dream home.
Who this loan is for
What’s required
First-Time Buyer
Down-payment assistance, walked through by hand.
Down payments, explained
Who this loan is for
What’s required
Refinance
Rate, term, or cash-out — timed to the market.
When a refinance pays off
Who this loan is for
What’s required
Bank-Statement & Self-Employed
Bank statements welcome. Entrepreneurs funded.
Self-employed and struggling to get a home loan? Start here.
Verifying income with personal or business bank statements.
Ditch the tax returns — how the loan qualifies you.
Part four — the recap if you missed the first three.
Series wrap — irregular income, real approval.
Who this loan is for
What’s required
Investor & DSCR
Qualify on the property's rent, not your W-2.
When traditional financing says no, DSCR says maybe.
Financing your next property — the investor's solution.
Tailor-made for income properties: how DSCR qualifies.
How investors use DSCR to grow the portfolio.
Series finale — taking the business to the next level.
Who this loan is for
What’s required
HELOC
A revolving line against your equity — draw as you need it.
What home equity can do — consolidate, renovate, more.
Getting access to the equity you've built.
The three things you'll need to qualify.
Tapping equity without touching your first mortgage.
Series wrap — your equity, working for you.
Who this loan is for
What’s required
New Construction
From dirt in French Valley to keys in hand.
Who this loan is for
What’s required
FAQ
No! With FHA loans, you could get approved for options as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, talk to your mortgage lender to discuss options.
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
A bank can offer you its shelf. As a brokerage, we shop hundreds of wholesale lenders and price your exact scenario across them — which is how tricky files get approved and easy files get cheaper.