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Secure Process

Reliable

Competitively Low Rate

Secure Process

Reliable

Competitively Low Rate

All Loans We Offer

Need help with a home loan but don’t know where to start? With over 2 decades of home loan experience, let’s discuss the best route to take for the options available to you.

Conventional

This loan is any type of mortgage that are not guaranteed by the Veterans Administration (VA), or the Federal Housing Administration (FHA).

Conventional / 3% Down

For this loan, you must be first time homebuyer.

Down Payment Assistance

This loan is typically a standard FHA in 1st position and an additional mortgage in 2nd position on your home.

FHA

The Federal Housing Administration was created in 1934 in an effort to bolster homes sales during the Depression.

VA

This loan is a mortgage loan guaranteed by the Veterans Administration.

Jumbo

This is a loan in which the amount borrowed is greater than the loan limit set by Fannie Mae (FNMA) & Freddie Mac (FHLMC).

The Path to Your Dream Home
Made Possible.

Step 1

Begin Your Journey

Complete our brief questionnaire to kickstart your homeownership journey. We’ve simplified the process to get you started quickly.

Step 2

Your Path to Pre-Approval

Sit back while we pre-underwrite your file, ensuring a smooth journey ahead. Our experts handle the details, so you can focus on your dream home.

Step 3

Secure Your Dream Home

Complete our brief questionnaire to kickstart your homeownership journey. We’ve simplified the process to get you started quickly.

Mark Barnett wanted obtaining a home loan to be easy for most people. Over 20 years ago, he started in the mortgage industry as a processor. Eventually, he moved onto underwriting, and then, finally, to sales. Being in sales opened Mark’s eyes to the difficulties so many people had when trying to buy a home. He saw people turned down or offered extremely high rates, making it practically impossible for them to purchase their forever-home. Wanting to help these people get the home of their dreams, he started Barnett Mortgage.

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Barnett Mortgage is here for you. We’ll help you get a competitively low rate and obtain the home loan you need. Call today and learn more.

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Conventional

This loan is any type of mortgage that are not guaranteed by the Veterans Administration (VA), or the Federal Housing Administration (FHA). You may of heard of Fannie Mae (FNMA) and Freddie Mac (FHLMC) and these are the type of loans they issue. There are two different types of Conventional loans; Conforming and Non-Conforming loans. Conforming loans have to meet the guidelines set by Fannie Mae and Freddie Mac. Any loan which does not meet guidelines is a non-conforming loan.

Conventional / 3% Down

For this loan, you must be first time homebuyer.
This conventional loan has the following parameters:

Down Payment Assistance

This loan is typically a standard FHA in 1st position and an additional mortgage in 2nd position on your home. By doing this, we are able to offer 0% down payment. However, based on the market you may still need to pay closing costs.

Here are some of the benefits:

FHA

The Federal Housing Administration was created in 1934 in an effort to bolster homes sales during the Depression. It is important to remember that the FHA is not a lender; they just guarantee your loan.

Here are just some of the benefits:

VA

This loan is a mortgage loan guaranteed by the Veterans Administration. It was created in 1944 and signed into law by President Franklin D. Roosevelt. A VA loan provides veterans and/or their surviving spouses who have not remarried, with a federally guaranteed home with zero down payment.

Here are just some of the benefits:

Jumbo

This is a loan in which the amount borrowed is greater than the loan limit set by Fannie Mae (FNMA) & Freddie Mac (FHLMC). Each county has it’s own limit and it is generally updated every year:

Here are just some of the benefits: