Match the loan to the house — not the other way around.

Loan Programs | House Hat Loans

Match the loan to the house — not the other way around.

Multiple lenders. Traditional and alternative programs.

A clear card for each path.

The house comes first. The product follows.

Not sure which loan program is right for you?

Loan Programs · Barrett Financial Group

As a mortgage broker with Barrett Financial Group, I have access to multiple lenders and a wide variety of traditional and alternative loan programs. The short notes below are a starting point for who each option may fit — not a rate, a down-payment promise, or an approval.

Why a broker

As a mortgage broker with Barrett Financial Group, I have access to multiple lenders and a wide variety of traditional and alternative loan programs. We look at credit, income documentation, the property, and occupancy, then compare structures that may actually fit — subject to credit approval.

The programs

Eligibility depends on credit, occupancy, income, property type, and underwriting. Nothing here is a rate, a guaranteed approval, or a promised down payment.

Stephanie S. Ramirez

Mortgage Loan Officer · NMLS #2472478

How we choose

A first home, a VA-eligible purchase, a rental held in an LLC, and a self-employed file are not the same loan. I look at occupancy, credit, how you document income, and the property — then we compare lenders for a program that can be underwritten, without inventing a down payment or an approval you have not earned yet.

Let’s find the right option together.

This is not a commitment to lend. All loans are subject to credit approval, property eligibility, and lender guidelines.

House Hat Loans powered by Barrett Financial Group

Contact

2701 East Insight Way, Suite 150 Chandler, AZ 85286

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Stephanie San Luis Ramirez | NMLS #2472478 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | TX view complaint policy at www.barrettfinancial.com/texas-complaint | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org

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