Talk To - call (612) 805-6353
Talk To Gaston - call (612) 805-6353
Ready to Buy a Home?
Understand your buying power, explore your loan options and prepare to make a confident offer.
The Mortgage Loan Process: How It Works
1. Get Pre-Approved
Complete your application and provide the financial information needed to determine your buying power and prepare a strong pre-approval.
2. Choose the Right Loan Option
We'll review available loan programs, estimated payments, and cash needed so you can choose an option aligned with your goals and financial situation.
3. Processing and Underwriting
Your loan processor and I will verify all of the information that you have provided and ensure that Underwriting has all of the documentation needed to make a final determination regarding your loan approval.
4. Close on Your New Home
Review and sign your closing documents, complete the transaction, and receive the keys to your new home!
Find the Right Loan for Your Home Purchase
Every buyer's situation is different. We'll compare available loan programs, payments, and qualification requirements to help identify an option aligned with your goals.
Conventional Loans
Flexible fixed- and adjustable-rate options for qualified buyers, including programs with low down-payment requirements.
FHA Loans
Government-insured financing offering low down-payment options and more flexible credit and qualification requirements.
VA Loans
Financing benefits for eligible veterans, active-duty service members, and qualifying surviving spouses, including options with no down payment.
Jumbo Loans
Financing for higher-priced homes when the loan amount exceeds the conforming loan limit for the property’s location.
Bank Statement Loans
Alternative financing for eligible self-employed borrowers who may qualify using business or personal bank statements instead of traditional income documentation.
First-Time Homebuyer Options
Low-down-payment programs, potential assistance options, and guidance for buyers navigating their first home purchase.
Investor Loans
Financing options for purchasing or refinancing investment properties, including DSCR loans that may qualify primarily using the property’s rental income rather than the borrower’s personal income.
Make Seller Contributions Work Harder for You
Depending on the loan program and transaction, seller contributions may be used to reduce your closing costs, lower your initial mortgage payments, or create a combination that better fits your financial goals.
I can run the numbers before you make an offer and show you what different contribution amounts may accomplish.
Take the Next Step
Gaston Garrido | NMLS #2146920 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | TX view complaint policy at barrettfinancial.com/texas-complaint | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106
