We do the hard
part first.
Know what you can spend — before you fall in love with a house.
Angie reviews your income, assets and credit up front. You shop with real numbers instead of a guess, and sellers take your offer seriously.
40+
16 days
50 years
#501276, #333047
The problem
You've done everything right and you're still losing.
Angie reviews your income, assets and credit up front. You shop with real numbers instead of a guess, and sellers take your offer seriously.
That’s not bad luck. That’s what happens when nobody looks at your file until it’s already too late to fix anything.
A simpler way forward
Three steps. That's the whole thing.
01
Tell us what you're trying to do.
15 minutes on the phone. No credit pull, no application, no pressure.
02
Angie reviews your file before you shop.
She’s a working underwriter, not a salesperson running software. If something’s going to be a problem, you find out on Day One — while it can still be fixed.
03
We make 40+ lenders compete.
Your bank has one set of rates. We bring you the best of 40+, and the lender pays us — not you.
Underwriting first
Here's what that actually means.
Most lenders wait until you’re under contract to look closely at your file. That’s when the surprises show up — and by then you’ve already made promises to a seller.
We do it backwards on purpose. Angie works through your income, assets and credit before you start looking, so the answer you get is the answer that holds.
Personal from start to finish
You get Mark and Angie. Not a call center.
Know what you can spend — before you fall in love with a house.
Two people, one phone number, and fifty years between them. You’ll never be transferred, never re-explain your file, and never wonder who’s actually working on it.
Denton and Cora handle morale. They’re the only ones here who don’t return calls.
Barnett Mortgage Testimonials
Tell us what you're trying to do.
Send it over and we’ll tell you straight whether it works — usually the same day. No credit check to ask a question.
Mark and Angie Barnett
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4360 Boardwalk Drive #200
Fort Collins, CO 80525