Phoenix, AZ Mortgage Broker — Purchase & Refinance
Buying or refinancing in Phoenix doesn’t have to feel complicated. My goal is to give you clear numbers, clean next steps, and a smooth process—so you feel confident from your first conversation through closing.
As a mortgage broker with Barrett Financial Group, LLC, I can compare options across multiple wholesale lenders to match your goals—whether you’re purchasing, refinancing, or exploring higher loan amounts.
Why Phoenix clients choose Dan
Clients work with me for clear options, fast communication, and a calm process from start to finish.
If you want a quick plan for purchase, jumbo, or refinance scenarios, I’ll show you the numbers and keep everything straightforward.
Clear payment + cash-to-close scenarios (no guessing)
Strong pre-approvals built to close
Fast responsiveness and consistent updates
Ready to get clear numbers and a clean plan? Call/Text: (610) 999-4710
Service area: Phoenix • Chandler • Gilbert • Mesa • Scottsdale • Tempe • Peoria • Cave Creek • Glendale • Arcadia
How it works
A simple, structured process:
15‑minute consult: goals, timeline, and what matters most (payment, cash-to-close, speed).
Scenario review: side-by-side options so you can choose confidently.
Pre-approval + strategy: documentation guidance and a clean plan for offers.
Processing to closing: proactive updates, underwriting support, and a smooth path to funding.
Phoenix-focused strengths
Phoenix is a big market, and the best outcomes usually come from a clear plan upfront—especially if you’re balancing payment comfort, down payment, and timing.
I’m a strong fit if you want:
Fast payment scenarios on a specific property (so you can make decisions quickly)
A pre‑approval that’s designed to close smoothly, not just “get you shopping”
Clear guidance for first‑time buyers and move‑up buyers
Help navigating seller concessions / cash-to-close strategy (when applicable)
A calm, proactive approach through underwriting
Common loan options
Jumbo / high-balance loans
FAQs (Phoenix)
How fast can I get pre‑approved?
Often same day depending on documentation and file complexity. My focus is a strong pre‑approval built to close, not a rushed letter.
Do I need 20% down to buy in Phoenix?
Not necessarily. Many buyers use lower down payment options. I’ll compare payment, cash-to-close, and any mortgage insurance tradeoffs so you can choose confidently.
How do I know what price range is comfortable?
We’ll start with your comfort range and reverse‑engineer a target price, down payment plan, and realistic payment scenarios.
Can seller concessions help reduce my cash to close?
Often yes (within program guidelines). I’ll show you how concessions impact cash-to-close and offer strategy.
How long does it take to close in Arizona?
Timelines vary by file and program. I’ll set expectations upfront and keep communication proactive to avoid surprises.
What documents do you need for a strong pre‑approval?
Typically ID, income documentation, and asset statements (plus additional items if self‑employed). After our call, I’ll send a simple checklist based on your situation.
How do I know if refinancing is worth it?
We’ll run the break‑even math and also look at your real goal (cashflow, term strategy, equity options). If it doesn’t clearly help, I’ll tell you.
Want clean numbers and a clear next step?
Call/Text (610) 999-4710 or email dfriel@barrettfinancial.com.