Brian Richard - Barrett Financial Group NMLS# 2001158

I've made a move to be able to provide even more tools for you all. Lets get to chatting to see how I can help you too.

Brian Richard - Barrett Financial Group NMLS# 2001158 updated their website address.

Don't forget to Fall Back, Sunday 11/6/2022 - Upcoming Events!

𝙈𝙖𝙧𝙧𝙮 𝙏𝙝𝙚 𝙃𝙤𝙢𝙚, 𝘿𝙖𝙩𝙚 𝙏𝙝𝙚 𝙍𝙖𝙩𝙚, 𝘿𝙞𝙫𝙤𝙧𝙘𝙚 𝙏𝙝𝙚 𝙍𝙚𝙣𝙩

Mortgage rate increases are one of the major topics being discussed in the industry. Rates are rising contributing to a slower market for sellers. We are proud to announce we have expanded our buydown product offering to include 𝟯-𝟮-𝟭 𝗯𝘂𝘆𝗱𝗼𝘄𝗻𝘀! ⁠

𝐖𝐡𝐚𝐭 𝐞𝐱𝐚𝐜𝐭𝐥𝐲 𝐢𝐬 𝐢𝐭?
The 3-2-1 buydown program is designed to help counteract the trend towards higher interest rates. Clients who qualify for this program pay an upfront fee when closing their loan. 3-2-1 buydowns are available on conventional fixed products.

𝐏𝐫𝐨𝐠𝐫𝐚𝐦 𝐃𝐞𝐭𝐚𝐢𝐥𝐬:
🍃 1st Year: Interest rate starts at 3% below the locked rate.
🍃 2nd Year: Interest rate is 2% below the locked rate.

🍃 3rd Year: Interest rate is 3% below the locked rate.
🍃 4th Year: Loan converts to the locked interest rate.

𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝐅𝐨𝐫 𝗧𝗵𝗲 𝗦𝗲𝗹𝗹𝗲𝗿:
🍃 A buydown may help you avoid price reductions.
🍃 The cost you incur may be a tax write-off.
🍃 A concession may foster goodwill in the process of selling your home.
🍃 It makes your home available and appealing to a wider group of homebuyers, especially in a higher rate atmosphere.

𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝐅𝐨𝐫 𝗧𝗵𝗲 𝗕𝘂𝘆𝗲𝗿:
🍃 You can save move up front when purchasing a home.
🍃 A lower interest rate may result in a lower monthly payment.
🍃 You may be able to use the extra funds for other other expenses associated with homeownership.
🍃 Any unused funds will be applied as a la principal reduction.

𝐀𝐯𝐚𝐢𝐥𝐚𝐛𝐥𝐞 𝐅𝐨𝐫:
🍃 30-year Fixed Rate Conforming Loans*
🍃 Conventional Purchases | Primary and Second Home: 1 Unit
🍃 High Balance (FNMA)
🍃 HomeReady / HomePossible | Purchase Primary: 1 Unit

𝗧𝗵𝗲 𝗙𝗶𝗻𝗲 𝗣𝗿𝗶𝗻𝘁:
🍃 For a Conventional loan 3/2/1 , 2/1 or 1/0 buydown, the seller can pay for the buydown.
🍃 Eligibility requirements, exclusions and other terms and conditions apply.

Take the Stress Out of Buying A Home🏡🔑 ⁠
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𝗡𝗼𝘃𝗲𝗺𝗯𝗲𝗿 𝟮, 𝟮𝟬𝟮𝟮 is National Stress Awareness Day!

Take breaks from watching, reading, or listening to news stories, including those on social media.

✅Take deep breaths, stretch, or meditate🧘
✅Try to eat healthy, well-balanced meals🍇
✅Exercise regularly🏋️
✅Get plenty of sleep😴

Remember to take care of yourself today, and everyday.

Let's discuss your plans and how I can help!
⬇️𝑨𝑷𝑷𝑳𝒀 𝑵𝑶𝑾⬇️
https://bit.ly/3RAj46X

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📣 - 𝐓𝐡𝐞 𝐇𝐨𝐥𝐢𝐝𝐚𝐲 𝐬𝐞𝐚𝐬𝐨𝐧 𝐢𝐬 𝐜𝐨𝐦𝐢𝐧𝐠 𝐒𝐎𝐎𝐍! Are you ready?
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We can help!🎅 Come join us for a morning of 𝐇𝐨𝐥𝐢𝐝𝐚𝐲 𝐏𝐨𝐩 𝐁𝐲 𝐈𝐝𝐞𝐚𝐬 - 𝐒𝐞𝐞 𝐬𝐨𝐦𝐞 𝐨𝐟 𝐭𝐡𝐞 𝐛𝐞𝐬𝐭 𝐜𝐮𝐬𝐭𝐨𝐦 𝐩𝐨𝐩-𝐛𝐲 𝐠𝐢𝐟𝐭𝐬 𝐭𝐨 𝐛𝐨𝐨𝐬𝐭 𝐜𝐥𝐢𝐞𝐧𝐭 𝐥𝐨𝐲𝐚𝐥𝐭𝐲 𝐚𝐧𝐝 𝐛𝐮𝐢𝐥𝐝 𝐫𝐚𝐩𝐩𝐨𝐫𝐭 𝐰𝐢𝐭𝐡 𝐩𝐫𝐨𝐬𝐩𝐞𝐜𝐭𝐢𝐯𝐞 𝐜𝐥𝐢𝐞𝐧𝐭𝐬.
On Thursday, November 10, 2022 from 10AM - 11AM At Uptown Koffee & Kafe located at 2700 Milton Way, Milton, WA 98354

𝑬𝒏𝒋𝒐𝒚 𝒄𝒐𝒇𝒇𝒆𝒆 𝒂𝒏𝒅 𝒕𝒓𝒆𝒂𝒕𝒔 𝒐𝒏 𝒖𝒔 𝒂𝒏𝒅 𝒄𝒐𝒎𝒆 𝒄𝒓𝒆𝒂𝒕𝒆 𝒚𝒐𝒖𝒓 𝒐𝒘𝒏 𝒉𝒐𝒍𝒊𝒅𝒂𝒚 𝒑𝒐𝒑-𝒃𝒚 𝒈𝒊𝒇𝒕!⁠🎁
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RSVP NOW: https://bit.ly/3yO86TI

3…2…1…𝘽𝙪𝙮𝙙𝙤𝙬𝙣! 🚀🏠 We’ve just expanded our product offering to include 𝟯-𝟮-𝟭 𝗯𝘂𝘆𝗱𝗼𝘄𝗻𝘀!

This means the borrower’s payment is reduced by 𝟯% 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗳𝗶𝗿𝘀𝘁 𝘆𝗲𝗮𝗿, 𝟮% 𝗳𝗼𝗿 𝘁𝗵𝗲 𝘀𝗲𝗰𝗼𝗻𝗱 𝘆𝗲𝗮𝗿, 𝗮𝗻𝗱 𝟭% 𝗳𝗼𝗿 𝘁𝗵𝗲 𝘁𝗵𝗶𝗿𝗱 𝘆𝗲𝗮𝗿!⁠
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Experience the benefits of a buydown!

Let's discuss your plans and how I can help!
⬇️𝑨𝑷𝑷𝑳𝒀 𝑵𝑶𝑾⬇️
https://bit.ly/3RAj46X

How familiar are you with this spooky holiday?

Comment your answers below⬇️

What are you looking for in a mortgage agent?

That they are caffeinated, proud, passionate, hard-working, determined, respectful mortgage lenders?

If that is what you are looking for, look no further!

I am here to help!

Send a DM or comment below to start the home buying process, and get pre-approved!

⁠⬇️Start a pre-approval application⬇️⁠
https://bit.ly/3RAj46X

First-time homebuyer facts...

Which one is the most surprising to you?

Ready to start your home purchase process? Reach out to me today!

Brian Richard NMLS #2001158
⬇️ APPLY TODAY ⬇️
https://bit.ly/3RAj46X

During the first two years of your mortgage, you could benefit from a lower interest rate and monthly payment with a 2/1 buydown!

Want to learn more about this seller-paid incentive that works for you? Reach out to me today!

Brian Richard NMLS #2001158
⬇️ APPLY TODAY ⬇️
https://bit.ly/3RAj46X

May this Diwali Light up New Dreams, Fresh Hopes, Undiscovered Avenues, Different Perspectives, Everything Bright & Beautiful, and Fill Your Days with Pleasant Surprises & Moments. Happy Diwali.

Isn't it funny how the way home always feels faster?
What do you wish you lived closer to?

Setbacks are undeniable in life, but it's the comeback that makes you stronger. Don't let one failure prevent you from coming back strong!

Everyone has their favorite, which one is yours?

CALLING ALL REAL ESTATE AGENTS

Are you ready for the upcoming holiday season?

On Thursday, November 10, 2022 from 10AM - 11AM At Uptown Koffee & Kafe located at 2700 Milton Way, Milton, WA 98354 create your own holiday pop-by gift!
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Creating a custom pop-by gift boosts customer loyalty for your current customers and builds rapport with your prospective clients. Additionally, it is a good way to build a network for both you and your customers.
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RSVP NOW for Coffee and Conversation! ⁠
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eventcreate.com/e/holidaypopbys
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Understanding mortgage terms and phrases can drive anyone a bit cookoo.

This particular term is most often used in situations where the buyer is also trying to sell a home and has accepted an offer but not closed on it yet. Let me know what other terms are tripping you up.

Do you know how much you need for a down payment on a house?

If you answered no, then you should save this post for later! It is also important to note that if you have a higher down payment, you can avoid paying mortgage insurance and lower your monthly out-of-pocket expense.

Thinking about the do's and don't's of buying a home can feel like falling down hole of questions, but don't worry, I'm here to keep your path to homeownership smooth and shine light on all your questions – especially the financial ones!

This Howl-oween, I don't need to be a bloodhound to help you find the right home loan for your financial situation! Throw me a bone so we can get started today.

Paint The Street Pink!

💖 All long we aim to !

Thank you for being able to make peoples lives that much better!

Happy National Coffee Day, friends!

Nothing really compares to the elation you feel while holding your first cup of joe of the morning.

What's your go-to coffee?

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Our team loves their coffee!

What's your go-to coffee?

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Autumn has arrived, and it’s the perfect time to get in touch with your finances! After summer fun, trips, BBQs, and pool parties, it’s an excellent time to look at your budget and see where you’ve ended up.

Take a look at your credit report and bills and see any discrepancies or errors. This is also a good time to cancel any unused subscriptions. Once you’re done reviewing your summer spending, it’s time to think ahead!

Make a plan for holiday expenses and refresh your budget to match your financial goals. Then set up automatic contributions to your savings and investments so you can put your financial goals on autopilot!

Would you rather live in a two-story home or a single-story home? Comment below!

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Have interest rates been on your mind lately?

Do you have questions about the current interest rates and what different loans are available?

Please leave them in the comments, or better yet, let’s grab coffee so we can get all of your questions answered!

I am here for you all weekend...
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Let's discuss your plans and how I can help!
📲(206) 451-3425
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Let us Remember Every Defender and thank those in our nation's military.

We offer our gratitude for all you do. You are always in our thoughts.

Join us in giving back however you can by visiting .

The Big Game is almost here!!! Comment your pick to win below for a chance to be entered to win a $25 Visa gift card at the end every quarter!!! Squares will be assigned on the Sunday Morning so you know what scores to watch for. Open to the first 100 people who comment, US residence only, 1 entry per person, no purchase necessary.

New ★★★★★ 5 Star SocialSurvey Review by Scott A. Click to see all 17 reviews of Brian Richard, Loan Officer| NMLS # 2001158