Barrett Financial Group · The Murrieta Team
Loan Officer
Annette Ammons
With over 25 years in the mortgage industry, I specialize in a seamless, stress-free lending experience tailored to your goals — VA, FHA, USDA, Conventional, Down Payment Assistance, and more. As a Homes for Heroes affiliate, I'm honored to help military members, veterans, first responders, healthcare workers, and educators save. Outside of work I love cooking, the outdoors, and animal welfare causes.
VA · FHA · USDA · Conventional · Down Payment Assistance
“Great service and communication. Highly recommended.”
“Easy process. Annette was on it every minute of the transaction. Completely satisfied.”
“Hands down the bet buying experience we have had and this is our 3rd home purchase (we have also refinanced 2x). Annette and her team were PHENOMENAL. I highly recommend her and her team!!”
“Annette and team are the best! Everything went some and was right on time. Kind, honest, and very attentive service. I referred my son for his home loan and my brother for his home equity loan. They were both thankful to have an honest business handling their loans. We appreciate Annette and team so much. This process was straightforward and easy. I highly recommend them for any home loan or financial needs! They are 5 star ⭐️”
The Toolbench
Run every number before you fall in love.
The same modeling we run in consultations — payment, affordability, refinance timing, rent-versus-buy, cash to close, bi-weekly schedules, early payoff, and investor DSCR.
Estimated monthly payment
$3,948
- Principal & interest
- $3,202
- Property taxes (est.)
- $601
- Homeowners insurance (est.)
- $145
- Loan amount
- $520,000
View as table
| Year | Balance | Interest paid |
|---|---|---|
| 0 | $520,000 | $0 |
| 4 | $493,173 | $126,856 |
| 8 | $458,748 | $246,114 |
| 12 | $414,574 | $355,623 |
| 16 | $357,891 | $452,623 |
| 20 | $285,156 | $533,571 |
| 24 | $191,822 | $593,920 |
| 28 | $72,057 | $627,838 |
| 30 | $0 | $632,623 |
FAQ
Frequently Asked Questions
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional commitment from a lender that they will lend you the money for a mortgage.
Will getting quoted hurt my credit score?
A single mortgage inquiry has a minor, temporary effect, and credit bureaus count multiple mortgage inquiries within a 45-day window as one shopping event. We only pull credit when you're ready — never for an initial conversation.
How long does closing take?
A typical purchase closes in 21–30 days from accepted offer; refinances usually run 2–3 weeks. Clean files with responsive borrowers can move faster — our underwrite target is 48 hours.
Why use a broker instead of my bank?
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.
When should I lock my rate?
When the payment works for your budget, not when the news feels calm. We watch the market daily, tell you when your target is available, and many of our programs include a float-down if rates improve before closing.