Home, made simple.

Yes. It's an educational class with no cost and no obligation, and you don't need to apply for anything to attend. If you'd like a personal plan afterward, we can set up a one-on-one consultation.

Absolutely. A private consultation starts with your goals, timeline and how your income and assets are held. You don't need documents ready for a first conversation, and nothing is submitted until you choose to apply.

Yes — first-time buyers are a big part of what I do, and I host a free first-time buyer class. We'll walk through budget, credit, down payment and closing costs together, and compare FHA, conventional, VA and down payment assistance options you may be eligible for.

Down payment assistance programs—offered through state housing agencies, local programs and some lenders—can help eligible buyers cover a down payment or closing costs, as a grant or a second loan that may be forgivable or repayable. Eligibility usually depends on income, purchase price, location, credit and sometimes homebuyer education. I can review which programs may fit in the state where you're buying.

Often, yes. The VA Interest Rate Reduction Refinance Loan (IRRRL), also called a VA streamline, refinances your current VA loan into a new one, usually to lower your rate or move from an adjustable to a fixed rate. The VA generally doesn't require a new appraisal, and paperwork is typically lighter than a standard refinance. Eligibility, seasoning and savings requirements apply, and lenders may have their own requirements.

Jumbo loans exceed the conforming loan limit for the property's county. Underwriting is typically more detailed—lenders look closely at down payment, credit, documented income and post-closing reserves. Requirements vary by lender, so comparing across a network can make a real difference.

It depends on how you earn and document it. Options may include traditional tax-return documentation, or alternative-documentation programs such as bank statement loans that look at 12 or 24 months of deposits, or profit-and-loss programs. Qualification and terms vary.

Some programs allow a portion of eligible liquid assets—such as investment or retirement accounts—to be considered when calculating qualifying income. How assets are counted, and which types are eligible, varies by lender and program.

A bank can only offer its own loans. Through Barrett Financial Group, I take your scenario to a wide lender network and place it where it fits best—often valuable when your income, assets or property are less traditional.

I'm licensed in Arizona, Florida, Idaho, Nevada, North Carolina, Oregon, Utah and Washington. You can verify my licenses any time on NMLS Consumer Access.

No. These are planning tools using the assumptions you enter, including a hypothetical rate. They do not check eligibility or pull credit. A personalized quote and any approval require a separate review through the lender's process.