Overtime, prevailing wage, shift differentials, contract raises, occasional layoffs, hazard pay, etc. are part of life in the trades. We specialize in understanding that income and building a loan file that reflects the full picture for the underwriter.
Between FHA, VA, USDA and California down payment assistance, the twenty-percent rule you grew up hearing is often the wrong target. We'll lay out which programs you're eligible for, what each one costs over time, and which one leaves the most money in your pocket at closing.
You shouldn't have to burn a personal day to talk to your loan officer. We take calls early, we take them after your shift, and you get our cell numbers instead of a queue. When something changes in your file, you hear it from us first — not from your agent three days later.
From the first conversation to the day you get the keys, we explain each step in plain language — what we need, why we
need it, and when. No surprise document requests the week of closing.
If rates, your credit, or your income have moved since you closed, refinancing may lower the monthly payment or put your
equity to work — the work around the house you keep deferring, tuition, or higher-interest debt.
Veterans, active duty, reservists and surviving spouses may qualify for a VA loan with no down payment and no monthly
mortgage insurance. We'll help you request your Certificate of Eligibility and use your entitlement well.
Skip the conversation and go straight to the full application. We'll build your pre-approval from it.
This is the complete loan application, submitted through Barrett Financial Group — the brokerage we operate under. It asks for your income, your employment history, your assets and the property you have in mind, so give yourself enough time to do it properly rather than starting it at a red light.
Have your pay information and an idea of your down payment on hand. If you're using overtime to qualify, your year-end pay stub is the document that does the most work. Once it's in, we aim to have your pre-approval back within one business day.
Not in a rush? Tell us about your situation first and we'll give you a straight answer before you fill anything in.
A pre-qualification is an opinion. A pre-approval is a reviewed file. Here's the difference, why sellers care, and what to have ready before you ask for one.
State and county assistance programs change often and run out of funding. A look at what's currently available, who's eligible, and how it stacks with an FHA loan.
Layoffs, medical bills and a rough stretch on the credit report don't automatically disqualify you. What underwriters actually look at, and how long the clock runs.
Most lenders want a two-year history before overtime counts. What that means if you're newer to the trade, and how union scale and per diem are treated differently.
Start the form and we'll get you a real answer, not a sales pitch. It goes to a person, not a queue — and if you'd rather talk it through first, call (707) 977-0487.