Barrett Financial Group · The Murrieta Team
Mortgage Loan Advisor
Carlos Bazua Rojas
As a Marine Corps veteran, I bring discipline and commitment to my work as a mortgage loan advisor. My goal is to guide you through the mortgage process with care, clarity, and personalized service. Outside of work, I enjoy time with my wife Katia and our two daughters, hiking, and hosting weekend gatherings. I'm also fluent in Spanish and happy to assist Spanish-speaking families.
“Carlos was fantastic, we were discouraged by other lenders because we did not have much down payment but Carlos was knowledgeable on down payment assistance and I have full trust in him, thank you so much Carlos!”
“Carlos was incredible, he helped me into getting keys to my first property, I had been turned down by other lenders but Carlos stuck by my side and walked me to the finish line, thank you Carlos!”
“Carlos has been putting up with all of my questions for about 2 years and he was always very knowledgeable and patient guiding us through the most important purchase of our lives, thank you Carlos! Always on top of it. 🙏”
“Carlos was able to refinance our VA loan down to a 5.25% which in this market was a huge win! Thanks Carlos🙏”
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.