Mortgage Broker Services | Find Your Ideal Mortgage Broker Today

Non-QM Home Loans
jpeisner@barrettfinancial.com
(303) 482-5983

We Approve Purchase, Refi & Cash Out Home Loans - No Tax Returns Required.

Who We Can Help:

Self-Employed Individuals
1099 Independent Contractors
Business Owners
W-2 Earners With Other Income
Real Estate Investors
Retired Borrowers
Free-lancers & Gig Workers
Borrowers With Liquid Assets
Foreign Nationals & ITIN

What We Do:

We offer common sense mortgage solutions with flexible underwriting guidelines to maximize home loan qualifications with no tax returns required!

Purchase, Refinance & Cash Out
Primary, Vacation & Investment
$200,000 to $10,000,000
FICO 640+

How We Qualify:

We qualify our borrowers with simple & flexible solutions using:

Bank Statement Loans
1099's Only
Profit & Loss Statement
Asset Only Or Liquidity Qualifier
True No Income No Employment
RE Investor Cash Flow DSCR

We provide access to the best rates offered by over 70 Non-QM lenders allowing our clients to find the rate & terms they deserve.

Our team has funded over $700 Million In reduced document, no tax return loans and we can help you too!

Want to learn more, see what you qualify for or just compare rates?

We are available 7 days a week and evenings too!

No cost, no obligation. Just answers!

Call us now or complete our one step contact request form below.

(303) 482-5983

What Our Customers Say About Us

We care about what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating

4.9

2745 reviews

La persona que nos ayudo en nuestro proceso de compra de casa, es muy profesional, exelente en todo el proceso informando y explicando cada detalle m ...

La persona que nos ayudo en nuestro proceso de compra de casa, es muy profesional, exelente en todo el proceso informando y explicando cada detalle mi familia y yo estamos satisfechos con el resultado los recomendamos apliamente.

4 days ago

Posted on Google

It was great working with Bryon. My purchase had some unique factors between the VA Loan Guarantee and the applicants of the loan. Bryon carefully r ...

It was great working with Bryon. My purchase had some unique factors between the VA Loan Guarantee and the applicants of the loan. Bryon carefully reviewed all the criteria and had me pre-approved and dollar amount that allowed us a lot of flexibility with the market and then again when securing an interest rate. Bryon (and his team) continued to work with me to ensure that all the documentation was complete and the process kept moving forward. I would recommend Bryon Taylor to anyone who asks, and I am definitely going to use his services in the coming years. Thanks Bryon (and team).

4 days ago

Posted on Google

I had a complicated situation needing extra care and attention. Blake Weaver treated me like I was his only customer! He was never too busy for my que ...

I had a complicated situation needing extra care and attention. Blake Weaver treated me like I was his only customer! He was never too busy for my questions and he worked through every issue presented to him from start to finish. He stayed in touch and was open and communicative at every step. He also handled difficult news with diplomacy. Thanks to his skills and diligence, I was able to close on my wonderful new home on time! If I ever buy another house, he is my guy! 😍☺️

4 days ago

Posted on Google

Working with AJ was seamless and an absolute pleasure. He helped us close three of our loans during the holiday season and went above and beyond to en ...

Working with AJ was seamless and an absolute pleasure. He helped us close three of our loans during the holiday season and went above and beyond to ensure all documents and conditions were met. Despite delays caused by other outlets being closed during the holidays, AJ stayed on top of everything throughout the process. We highly recommend AJ if you’re looking to refinance your home!

Christine Jardine

4 days ago

Posted on Google

Supportive and Knowledgeable! Being a first time homeowner, the process can feel overwhelming and stressful but not with the help of Barrett Financial ...

Supportive and Knowledgeable! Being a first time homeowner, the process can feel overwhelming and stressful but not with the help of Barrett Financial Group! This has been the best experience and decision I’ve made!

5 days ago

Posted on Google

Ryan Romero has been so helpful. Not only did he look out for me during the purchase process, but guided me flawlessly through refinancing. I’m so tha ...

Ryan Romero has been so helpful. Not only did he look out for me during the purchase process, but guided me flawlessly through refinancing. I’m so thankful!

5 days ago

Posted on Google

This was our first time buying a home. Briant and the Barrett Financial Group made the process so easy. Their online platform, incredible communicatio ...

This was our first time buying a home. Briant and the Barrett Financial Group made the process so easy. Their online platform, incredible communication, and full transparency throughout the process made us feel comfortable and confident so we could focus on what matters most, getting into our new home! I would recommend them to everyone!

5 days ago

Posted on Google

I would highly recommend this company more importantly My loan originator Ivan. He walked me through the process as a first time home buyer. He was ve ...

I would highly recommend this company more importantly My loan originator Ivan. He walked me through the process as a first time home buyer. He was very patient and brainstormed with me when things got a little hairy. When I buy my next house or refinance I'm definitely calling going through barrett financial again.

5 days ago

Posted on Google

Muharrem Gunaydin

5 days ago

Posted on Google

Working with Barrett Financial was amazing. Terri Littlefield helped us every step of the way and we are currently homeowners!

Working with Barrett Financial was amazing. Terri Littlefield helped us every step of the way and we are currently homeowners!

Kenneth Yanzetich

6 days ago

Posted on Google

"I was initially overwhelmed by the mortgage process, but Justin Barrett of Barrett Financial Group was a lifesaver. He patiently explained everything ...

"I was initially overwhelmed by the mortgage process, but Justin Barrett of Barrett Financial Group was a lifesaver. He patiently explained everything, answered all my questions (no matter how silly!), and even helped me find the best loan program for my situation. His expertise and dedication made a huge difference. I highly recommend his services!"

6 days ago

Posted on Google

Absolutely amazing experience! Starting from our loan originator, Terri, and all the way through the process. Everyone was always willing to answer qu ...

Absolutely amazing experience! Starting from our loan originator, Terri, and all the way through the process. Everyone was always willing to answer questions and was very helpful. The process was fast and easy.

Debbie Yanzetich

6 days ago

Posted on Google

My loan officer, Zachary Jubie, was incredible! He kept me well-informed at every step of the process and pro-actively informed me at each step. I can ...

My loan officer, Zachary Jubie, was incredible! He kept me well-informed at every step of the process and pro-actively informed me at each step. I can't thank him enough for calming some of my nervous jitters and easing my anxiety as a first time borrower.

6 days ago

Posted on Google

Parker and Chelsea were so helpful and diligent throughout our process. They made things so easy for us. Cannot recommend enough!

Parker and Chelsea were so helpful and diligent throughout our process. They made things so easy for us. Cannot recommend enough!

6 days ago

Posted on Google

I loved working with the Barrett team. They were communicative and supportive throughout the process.

I loved working with the Barrett team. They were communicative and supportive throughout the process.

1 week ago

Posted on Google

My experience with Barrett financial to assist me buying my home was professional and beyond my expectations. It was quite a long journey but it wa ...

My experience with Barrett financial to assist me buying my home was professional and beyond my expectations. It was quite a long journey but it was worth the wait with no negative impact. Michelle was very creative and made it happen I was pleased with the results on how everything was done . Pleased with my interest rate despite the Real Estate market. I am very happy and pleased of what was done to complete this transaction. I would recommend Barrett financial to anyone looking to purchase a home especially first time buyers.

1 week ago

Posted on Google

I was extremely pleased with the friendly and experienced people. I would recommend this company to anyone. Fast and effective.

I was extremely pleased with the friendly and experienced people. I would recommend this company to anyone. Fast and effective.

1 week ago

Posted on Google

Dr. Danni Catambay did an amazing job for us. I highly recommend her.

Dr. Danni Catambay did an amazing job for us. I highly recommend her.

1 week ago

Posted on Google

This company was requested to complete a transaction within a period of time and it was during the holidays. They met the deadline under difficult cri ...

This company was requested to complete a transaction within a period of time and it was during the holidays. They met the deadline under difficult criteria they are the best!

1 week ago

Posted on Google

Heather and Stacy were so thorough, patient, and always ahead of schedule. Highly recommended

Heather and Stacy were so thorough, patient, and always ahead of schedule. Highly recommended

1 week ago

Posted on Google

That is my second time do home financial with Barrett Financial Group Lisa and Nicole, they work profession and effective. They help me a lot, thank y ...

That is my second time do home financial with Barrett Financial Group Lisa and Nicole, they work profession and effective. They help me a lot, thank you so much!

1 week ago

Posted on Google

Barrett financial group were great and especially Cristen Carver was so helpful with everything!!

Barrett financial group were great and especially Cristen Carver was so helpful with everything!!

1 week ago

Posted on Google

jeremy reed was very helpful throughout the whole process,it was rocky at times...he made it simple as possible,even when the lender was asking for ex ...

jeremy reed was very helpful throughout the whole process,it was rocky at times...he made it simple as possible,even when the lender was asking for extra things

1 week ago

Posted on Google

Gary came highly recommended from our realtor, Madison Groves with Monument Realty. After enduring several weeks of complications with an incompetent ...

Gary came highly recommended from our realtor, Madison Groves with Monument Realty. After enduring several weeks of complications with an incompetent previous lender, we decided it was time to make the switch. With our closing date only 2 weeks away, we were nervous closing this deal would be impossible. Gary worked tirelessly & always answered the phone for anything we needed - even on Christmas! He made magic happen by closing the deal AND got us extra money back in concessions! We highly recommend making Gary your first & last call for all your lending needs!

1 week ago

Posted on Google

The refinance experience was very easy and transparent. The staff was very accommodating too!!! Easy!!!.

The refinance experience was very easy and transparent. The staff was very accommodating too!!! Easy!!!.

1 week ago

Posted on Google

1 week ago

Posted on Google

I appreciated the communication that was provided as well as the easy to use site for all the documents needed

I appreciated the communication that was provided as well as the easy to use site for all the documents needed

Janelle Ramirez

1 week ago

Posted on Google

Great communication and services. Highly recommend.

Great communication and services. Highly recommend.

1 week ago

Posted on Google

Flawless service every step of the way. Excellent communication, my expectations were set properly, and I was able to close escrow early thanks to the ...

Flawless service every step of the way. Excellent communication, my expectations were set properly, and I was able to close escrow early thanks to the precision of the Barrett Financial Group team.

1 week ago

Posted on Google

I highly recommend Dan Ardis as a mortgage broker. We previously used Dan for our house in California. We found a house for sale by owner. We have nev ...

I highly recommend Dan Ardis as a mortgage broker. We previously used Dan for our house in California. We found a house for sale by owner. We have never bought a house without an agent so we called Dan to verify the process. He went the extra mile and got his license in Arkansas with Barrett Financial so he could assist us. He made our purchase seamless and the house closed exactly when he indicated. Our experience was better than expected as we were nervous about not using an agent. DAN THE MAN thank you for your kindness and wisdom.

1 week ago

Posted on Google

Working with Barrett Financial Group, and specifically Allan and his incredible team, was an outstanding experience from start to finish. Allan guided ...

Working with Barrett Financial Group, and specifically Allan and his incredible team, was an outstanding experience from start to finish. Allan guided us through the entire mortgage process with professionalism, expertise, and genuine care. I can’t thank him enough for his help in our purchase. He was efficient, incredibly knowledgeable, and clearly communicated with us at each step.

1 week ago

Posted on Google

Tiffany was incredible from the start to the very end of processing our streamlined refinance. We spoke to Logen one time, but honestly, Tiffany was o ...

Tiffany was incredible from the start to the very end of processing our streamlined refinance. We spoke to Logen one time, but honestly, Tiffany was our main contact and really did bend over backward to answer our questions and reassure us of any concerns. Thank you, Barrett Financial Group, + a special thank you to Tiffany!

Janessa Enriquez

1 week ago

Posted on Google

Worked with Barrett Financial purchasing my first home in Minnesota. Shawn H. was great and a pleasure to work with. Would recommend him to anyone loo ...

Worked with Barrett Financial purchasing my first home in Minnesota. Shawn H. was great and a pleasure to work with. Would recommend him to anyone looking. He was hands on and always available even from states away. Thank you!

Bethany Doherty

1 week ago

Posted on Google

Shelah is the best! Hands down. She makes the process easy and always has your best interest at heart. She is a vital resource to Barrett Financial Gr ...

Shelah is the best! Hands down. She makes the process easy and always has your best interest at heart. She is a vital resource to Barrett Financial Group and will continue to be the reason I use their services! Best wishes and much success in 2025 to the group!

Fredrick Campogni

1 week ago

Posted on Google

I a very good experience with this company they are so helpful and tret you like a family

I a very good experience with this company they are so helpful and tret you like a family

Wilfredo Escobar

1 week ago

Posted on Google

Very professional, deep research to ensure the best results for the customer and very focus on the needs of the customer. Final result persistence wit ...

Very professional, deep research to ensure the best results for the customer and very focus on the needs of the customer. Final result persistence with professional guidelines to accomplish their task.

1 week ago

Posted on Google

This is a great and very good company to work with tanks for the opportunity to be your costumer

This is a great and very good company to work with tanks for the opportunity to be your costumer

Wilfredo “Wilie” Escobar

1 week ago

Posted on Google

Barrett Financial Group has been a great company to work with and get my Mortgage for the purchase of a new Condominium. They have a great system that ...

Barrett Financial Group has been a great company to work with and get my Mortgage for the purchase of a new Condominium. They have a great system that gives you a secure connection to your loan officer. The portal is awesome, allowing all criteria needed for the loan approval process to upload and view. John Franchimone is an excellent resource in the process. His experience with handling loans is extremely valuable to any potential client. My advice would be to use his expertise and knowledge and to recommend him to your family and friends!! He made my loan process very simple.

1 week ago

Posted on Google

Ocean was great! Moved quickly. Got it done!

Ocean was great! Moved quickly. Got it done!

1 week ago

Posted on Google

We are satisfied with your service. Also, Alma Lopez is a friendly, helpful and honest representative. Thank you very much.

We are satisfied with your service. Also, Alma Lopez is a friendly, helpful and honest representative. Thank you very much.

1 week ago

Posted on Google

Great experience working with Stephen on our refinance. Great communication and programs. Highly recommended!

Great experience working with Stephen on our refinance. Great communication and programs. Highly recommended!

1 week ago

Posted on Google

Dave Searle and Barret Financial group where are a perfect choice for my mortgage needs. Dave is a true professional and him and the rest of the staff ...

Dave Searle and Barret Financial group where are a perfect choice for my mortgage needs. Dave is a true professional and him and the rest of the staff explained everything step by step making it an easy pain free process. I highly recommend them.

1 week ago

Posted on Google

They go over everything with u and precisely.Glad to do business with you

They go over everything with u and precisely.Glad to do business with you

William Johnson

1 week ago

Posted on Google

I would recommend Barrett Financial , it was a fairly easy process, very professional and thorough… they gave us a great interest rate as well.

I would recommend Barrett Financial , it was a fairly easy process, very professional and thorough… they gave us a great interest rate as well.

1 week ago

Posted on Google

Buen Trabajo profesionales gracias

Buen Trabajo profesionales gracias

Patricio Sanchez

1 week ago

Posted on Google

Great experience with the team at Barrett Financial. From picking the right lender to guiding us through the endless paperwork…they were there to guid ...

Great experience with the team at Barrett Financial. From picking the right lender to guiding us through the endless paperwork…they were there to guide us every step of the way. Highly recommend them if you are needing a well oiled and knowledgeable lending team!

1 week ago

Posted on Google

1 week ago

Posted on Google

Amazing, proactive service. I worked with Yuliya, and she was amazing!

Amazing, proactive service. I worked with Yuliya, and she was amazing!

Garrison Melford

1 week ago

Posted on Google

I had the pleasure of working with Earl as my loan officer, and the experience was seamless from start to finish. He is incredibly organized and alway ...

I had the pleasure of working with Earl as my loan officer, and the experience was seamless from start to finish. He is incredibly organized and always on top of things, making the entire process stress-free. Earl is also an excellent listener, taking the time to understand my needs and offering thoughtful guidance throughout. I highly recommend him for anyone looking for a reliable, efficient, and approachable loan officer!

Lily Udomsrianan

1 week ago

Posted on Google

Jorge and Bryan were efficient and prompt with my loan. We closed in about 2 1/2 weeks I believe. No issues or hassle. Definitely would recommend them ...

Jorge and Bryan were efficient and prompt with my loan. We closed in about 2 1/2 weeks I believe. No issues or hassle. Definitely would recommend them to anyone who is refinancing or purchasing. Thank you both for your help!

2 weeks ago

Posted on Google

Non Qm Loans

Flexible financing options

No tax returns required

USDA Loans

100% financing and flexible terms

Non-QM Lending

Larger loans, flexible down payments

Refinance Loans

Make it your dream home

Purchase Loans

Buy your dream home

DSCR Loans

Loans based on rental income

FHA Loans

Easy qualification and refinancing

VA Loans

Verterans are welcome here

Conventional Loans

Flexible options, just 5% down

Jumbo Loans

Larger loans, flexible down payments

Reverse Mortgages

Unlock your retirement life

Check All That Apply

I have questions and want to learn more.

I would like to know what I qualify for.

I would like to compare rates.

I need a fast 24 hour formal pre-approval

Transaction Type

Purchase

Rate Reduction

Cash Out

Name *

Last Name *

Email *

Phone *