Non-QM Loans
Not every borrower fits the traditional lending mold—and that’s where Non-QM loans come in. Designed for those with unique financial situations, these loans open doors to homeownership with flexibility traditional mortgages can’t always provide.
"What Are Non-QM Loans?"
Non-QM (Non-Qualified Mortgage) loans are built for borrowers who may not meet conventional income or documentation requirements. Whether you’re self-employed, rely on investment income, or have other non-traditional sources, Non-QM loans are tailored to fit your needs.
"Stay Informed on Market Opportunities"
Because Non-QM programs are specialized, rates and product availability can shift quickly. Staying updated on today’s options ensures you’re taking advantage of the right solution at the right time.
"Loan Benefits with
Barrett Financial"
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Enjoy no down payment and low rates with flexible loan options.
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Financing available for loan amounts exceeding $1 million
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Custom financing solutions for high-value properties with flexible rate options
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No down payment required with loan financing.
"Who Can Benefit From Non-QM Loans?"
These loans are perfect for entrepreneurs, real estate investors, retirees, or anyone whose income doesn’t fit neatly into the standard box. If traditional lenders have told you “no,” Non-QM loans may be your “yes.”
"Why Choose Barrett Financial"
At Barrett Financial, we believe in serving those who have served us. Our approach is rooted in respect, integrity, and personalized care. We’re committed to making the VA Loan process simple, transparent, and tailored to your goals in Washington and Oregon.
We are known for
Strong credit history builds confidence
Stable income supports loan approval.
Manageable debt ensures financial balance.
Property value confirms smart investment.
"FAQs"
We provide a wide range of loan programs including FHA, VA, Conventional, USDA, Jumbo, Reverse, and Commercial loans—tailored to meet the unique needs of buyers and homeowners across Washington and Oregon.
Choosing the right loan depends on factors like your credit history, down payment, income, and long-term goals. We guide you through your options and match you with a program that aligns best with your financial situation.
Not necessarily. Many programs, such as FHA or VA loans, offer low or even no down payment options, making homeownership more accessible than most people think.
While timelines can vary, most home loans close within 30–45 days. With Barrett Financial, we focus on keeping the process smooth and efficient from application to closing.
Because we combine the strength of a nationally recognized mortgage company with a personal, client-first approach. We’re licensed in WA and OR, and committed to helping you feel confident, informed, and supported at every step of your home financing journey.
Take the Next Step Toward Homeownership
Your journey to the right mortgage starts here. Fill out the quick form below to apply today, and let Reg Leslie with Barrett Financial guide you with expert advice, personalized options, and a smooth lending experience
