Know Exactly What You Can Afford,
Before You Fall in Love With a Home
- No upfront fees
- No obligations.
Wholesale Pricing Advantage
Whether you’re buying, refinancing, or planning ahead, we’ll give you clear numbers and a simple plan—so you can move with confidence.
Buy a Home
Know your budget, monthly payment, and loan options before you start touring homes.
Refinance
Lower your payment, shorten your term, or tap into equity—without pressure or guesswork.
Mortgage Planning
Not ready to move yet? Let’s map out your best next steps so you’re prepared when the time is right.
No pressure timing. Buy when you’re ready — and if rates drop later, our Strike Rate Tool helps you take advantage of a lower rate when the time is right.
WHY WORK WITH A CERTIFIED MORTGAGE ADVISOR
Fewer Surprises. Clearer Communication. Smoother Closings.
- You’ll get a custom plan and clear guidance on loan options—plus the pros/cons—so you can choose confidently.
- Most deals don’t close on time for two reasons: lack of preparation and lack of communication. We solve both.
- We stay proactive and responsive so you always know what’s next and what to expect on the way to closing.
Using an independent mortgage broker makes a big difference
- I shop multiple lenders to find competitive rates and costs
- I can get you to the closing table and into your dream home faster
- I offer wholesale pricing — some of the lowest in the industry
- I'm an expert at mortgages — because it’s all I do
- I offer technology that lets you apply for your mortgage anywhere and track your loan progress all the way to closing
Refinance Your Home
Refinancing is now
simpler than ever.
- Save money with a lower monthly payment
- Get a complimentary Home Value Estimate
- Receive a detailed Refi Analysis from our experts to maximize your savings
- Shorten your loan term and build equity faster
We’ll Match You with the Right Loan
30-Year Fixed-Rate
- Stable, predictable payments that never increase
- Flexible for all types of buyers
- Works well for nearly any property
First-Time Buyer Programs
- Gift funds can be used for entire down payment
- Down payment as low as 3%
- Eligible for reduced mortgage insurance
0% Bridge Loan
- 0% interest & $0 payments on funds
- Fast closings - as fast as 21 days!
- Sell up to 4 months after buying
Mortgage Calculators
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Personal reviews
homebuying tools you need
Looking for quick answers? We’ve got you covered.
Mortgage Calculator
Curious about how much home you can afford?
Pre-Approval Letter
Strengthen your offer and stand out.
Second Opinion
Already have a loan estimate? Let us review it.
Free Refi Analysis
Find out if refinancing could save you money.
Need mortgage assistance?
We make mortgages easy
and do the hard work so
you don't have to.
Competitive Rates
HMDA data shows that consumers save more than $10,000, on average, by working with a mortgage broker compared to a nonbank retail lender.
Easy Mortgages
With advanced technology and streamlined systems, we deliver a smooth, stress-free mortgage experience from start to finish.
Available 7 Days A Week
Our team of mortgage experts is available every day of the week to answer your questions and guide you.
Independent Mortgage Broker
With just one loan application and one credit pull, you can shop the nation’s top wholesale lenders—backed by a team that specializes in only one thing, mortgages.
About Jeremy Boillot
Jeremy Boillot is a Certified Mortgage Advisor with Barrett Financial Group, proudly serving families and homebuyers since 2014. His mission is simple: make the mortgage process faster, easier, and more affordable, while helping clients choose smart strategies for long-term success.
He hold a Bachelor’s in International Business from the University of Washington, an alumni of the Queen Creek Leadership Institute, and have the honor of serving on the committee for the Grenoble / Phoenix Sister City. 2021 President’s Club member at Barrett Financial Group. Fluent in French and Polish, he brings an international perspective to connecting with clients and families from diverse backgrounds.
Commitment
Whether you’re buying, refinancing, or planning your next move, I’ll guide you with expertise, honesty, and care. For me, it’s not about closing a loan — it’s about opening doors to brighter futures.
What Questions Do You Have?
Most buyers and homeowners have the same questions. Start here and get clear answers.
What salary do you need for a $500,000 mortgage?
The salary you need for a $500,000 mortgage depends on your interest rate, down payment, debts, and loan type, but here’s a realistic rule of thumb:
Most buyers need an annual household income of about $110,000–$140,000 to comfortably qualify for a $500,000 mortgage.
What is the best type of mortgage?
The best type of mortgage is the one that fits your budget, timeline, and long-term goals—not necessarily the lowest rate. For many buyers, a 30-year fixed mortgage offers the best balance of predictable payments and flexibility, while others may benefit from adjustable-rate, FHA, VA, or conventional loans depending on their situation.
The right choice depends on how long you plan to stay in the home, your cash flow, and future plans.
What is the golden rule of mortgage?
The Golden rule often refers to your Debt to Income Ratio.(DTI). Use the 28/36 guideline to keep your mortgage affordable. Try to keep your monthly housing payment (PITI: principal, interest, taxes, insurance) at about 28% or less of your gross monthly income, and keep all monthly debt payments (housing + car loans, student loans, credit cards, etc.) at about 36% or less.
It’s not a hard rule for every loan program, but it’s a strong benchmark for staying comfortable and avoiding a payment that strains your budget.
How much mortgage can I qualify for?
How much mortgage you can qualify for depends on your income, debt-to-income ratio (DTI), credit score, down payment, and current interest rates. As a general guideline, most lenders look to keep your total monthly housing payment within 28–31% of your gross monthly income and your total debts within 36–45%.
The exact amount varies by loan program and personal finances, so two buyers with the same income may qualify for very different loan amounts.
What is a good mortgage rate right now?
A good mortgage rate is one that’s competitive for your specific scenario, not just “low” in general. The right benchmark is whether your rate matches what well-qualified borrowers are getting for the same loan type and terms, given your credit score, down payment/equity, debt-to-income ratio (DTI), occupancy (primary vs. investment), and loan program (conventional, FHA, VA, etc.).
A rate is usually “good” when:
It’s in line with—or better than—current market pricing for your exact profile and program
The total cost (rate + points/fees) makes sense for how long you’ll keep the loan
The payment fits comfortably within your budget, not just at the lender’s max approval
Best move: compare options across lenders and look at APR, points, and total closing costs, not just the headline interest rate.
What is the best mortgage company for first-time buyers?
There isn’t one single “best” mortgage company for first-time buyers, because the right lender depends on your credit profile, income, down payment, loan program needs, and how well the company communicates with you throughout the process.
Instead of picking a specific brand, a smarter approach for first-time buyers is to choose a mortgage partner who:
Specializes in first-time buyer programs (FHA, state housing options, low down payment conventional)
Offers clear explanations and education at every step
Provides responsive communication so you never feel in the dark
Helps you compare multiple lenders and programs instead of pushing one option
Working with a Certified Mortgage Advisor (CMA) or a lender who focuses on first-time buyers often yields better outcomes than going with the lender with the biggest advertising budget. That’s because they help you understand options, costs, and timelines—not just the rate.