Loan Originator · Barrett Financial Group
Whether you're buying your first home, refinancing, or unlocking Non-QM solutions — I make the mortgage process clear, fast, and personal.
Loan Originator
NMLS #1941448What I offer
Click any service to learn more about how I can help.
First home or fifth — find the right loan for your goals and budget.
Lower your rate, reduce your payment, or tap home equity.
Financing for custom builds and new development homes.
FHA, VA, and USDA — matched to your unique situation.
Bank statement, DSCR & commercial for investors and self-employed.
Why choose Dennis
Here is how working with me compares to going through a big bank or online lender.
| Feature | Dennis | Big bank |
|---|---|---|
| Direct line to your lender | ✓ | ✗ |
| Non-QM loan options | ✓ | ✗ |
| Same-day pre-approval | ✓ | ✗ |
| Bank statement loans | ✓ | ✗ |
| DSCR investor loans | ✓ | ✗ |
| Weekend availability | ✓ | ✗ |
| Personalized service | ✓ | ✗ |
You get my direct number. Call or text me anytime — even on weekends.
My streamlined process targets a 21-day close — far faster than the industry average.
When traditional lenders say no, I often have a Non-QM path that still gets you to the closing table.
How it works
A simple, transparent process with no surprises.
Fill out a quick application online or call me directly. Takes about 10 minutes.
I review your file and issue a pre-approval letter — often same day.
Go house hunting with confidence knowing exactly what you can afford.
I handle the paperwork and keep you updated every step of the way.
Sign the papers, get the keys, and move into your new home.
Interactive tools
Use these estimators to plan your finances. Ready for exact numbers? Contact me.
Estimate only. Does not include property taxes, homeowners insurance, PMI, or HOA fees. Rates shown are for illustrative purposes only and are not a rate quote, rate lock, or commitment to lend.
Based on a 43% DTI guideline. Actual qualification depends on credit score, loan type, and lender review. Not a commitment to lend.
Simplified comparison. Does not include taxes, insurance, maintenance, or investment returns. For illustration only.
Loan comparison
A quick side-by-side of the most common programs. Not sure? I will help you decide.
Best for: Strong credit, 20%+ down
Best for: First-time buyers, lower credit
Best for: Veterans & active military
Best for: Rural areas, low-moderate income
Best for: Self-employed, investors
Specialty financing
Most loan officers stop at conventional. I specialize in Non-QM loans — giving self-employed borrowers, real estate investors, and business owners options that big banks can not offer.
Self-employed? Skip the tax returns. Qualify using 12–24 months of personal or business bank statements instead of W-2s.
Investment properties that qualify on the rental income they generate — not your personal income. Ideal for building a portfolio.
Financing for multi-unit, mixed-use, and commercial properties. Flexible structures for business owners and investors.
Have significant liquid assets but limited income on paper? We can use your assets to qualify you for a mortgage.
Client reviews
Real feedback from real people I have helped close on their homes.
Dennis made the whole process so much easier than I expected. He walked us through every step, answered every question, and we closed ahead of schedule. Highly recommend!
As a self-employed business owner I was told no by two other lenders. Dennis got me approved through a bank statement loan in under 3 weeks. Game changer.
Used Dennis for a DSCR loan on my rental property. Super smooth process, great communication, and he actually knew what he was talking about — rare in this industry.
Common questions
Loan Originator · Barrett Financial Group
About Dennis
Whether you are buying your first home, refinancing, or building from the ground up — I make the mortgage process clear, fast, and personal. I specialize in both conventional and Non-QM lending, which means I have solutions for borrowers that other loan officers simply cannot help.
My ultimate goal is to make sure you and your family make the right financial decision — and I am committed to delivering service that exceeds your expectations at every step.
Clear communication — I explain every step in plain language so you always know where you stand.
Fast closings — I target a 21-day close and keep the process moving.
More options — Conventional, government, and Non-QM programs under one roof.
Your best interest — I find the program that truly fits your situation, not just the easiest option for me.
Get in touch
I typically respond within a few hours. Prefer a call? Reach me directly — no bots, no runaround.
Thanks for reaching out. I will get back to you within a few hours.