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Your Local Florida Mortgage Broker

A Home Loan Designed For You

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

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Welcome to Barrett Financial Group

Welcome to your gateway for exceptional home financing, where competitive wholesale mortgage rates meet expert care! I’m Ray Stevens, a Florida based Branch Manager with Barrett Financial Group Corp, a nationwide wholesale mortgage broker. I leverage over 23 years of industry experience to offer you a wide range of mortgage options like VA, FHA, Conventional, USDA, DSCR, and reverse mortgages. My track record of success is evident in more than 210 five-star reviews from happy clients on Zillow.

Committed to transparency, unparalleled service, and personalized guidance, I ensure you get the best mortgage deals at the most attractive rates. Whether you’re a first-time buyer, seeking investment opportunities, or looking to refinance, I’m here to simplify your mortgage experience. Join me in navigating the path to homeownership with ease and confidence, backed by the benefit of low wholesale mortgage rates. Let’s make your dream home a reality, together!

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Tell Us Your Story.

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

Purchase Loan Options

Fixed Rate Mortgage

Interest Rate and payments remain the same for the entire term of the loan.

FHA Loan

An FHA loan provides a government-insured loan with flexible loan options.

VA Loan

VA Loans offer flexible options as either fixed-rate or ARM mortgages.

Jumbo Loan

Jumbo loans offer maximum flexibility for home financing for larger loans.

First Time Home Buyer

Popular loan programs for first time home buyers.

Low Down Payment Options

Explore options that may make you a home owner with a low down payment.

Investment Property

Mortgage loan programs for vacation and investment properties.

Bank Statement Program

Leverage your bank statements to secure a favorable home loan.

Construction Home Loan

Build your dream home from the ground up with tailored financing.

DSCR Home Loan

Focus on the debt-service coverage ratio to get the right home loan.

Reverse Mortgage

Convert a portion of your home equity into cash to secure your retirement.

Refinance Loan Options

Cash-Out Refinance

Access home equity for various purposes.

VA Loan Refinance

There are two main ways to refinance your VA loan.

Let's Learn!

Please check out our 27 educational articles we put together..

As an education based mortgage company we strive to provide helpful information.

Visit our learning center to learn some great tips about buying a home.

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Credit Health and Mortgages: What to Know Before You Apply

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Spring 2025 Housing Market: What Buyers Need to Know

Spring 2025 Housing Market: What Buyers Need to Know

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