Brian Richard - Barrett Financial Group NMLS# 2001158
Brian Richard of Barrett Financial Group is committed to taking great care of people who are looking
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.
Don't forget to Fall Back, Sunday 11/6/2022 - Upcoming Events!
๐๐๐ง๐ง๐ฎ ๐๐๐ ๐๐ค๐ข๐, ๐ฟ๐๐ฉ๐ ๐๐๐ ๐๐๐ฉ๐, ๐ฟ๐๐ซ๐ค๐ง๐๐ ๐๐๐ ๐๐๐ฃ๐ฉ
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 ๐ฏ-๐ฎ-๐ญ ๐ฏ๐๐๐ฑ๐ผ๐๐ป๐! โ
๐๐ก๐๐ญ ๐๐ฑ๐๐๐ญ๐ฅ๐ฒ ๐ข๐ฌ ๐ข๐ญ?
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.
๐๐ซ๐จ๐ ๐ซ๐๐ฆ ๐๐๐ญ๐๐ข๐ฅ๐ฌ:
๐ 1st Year: Interest rate starts at 3% below the locked rate.
๐ 2nd Year: Interest rate is 2% below the locked rate.
๐ 3rd Year: Interest rate is 3% below the locked rate.
๐ 4th Year: Loan converts to the locked interest rate.
๐๐ฒ๐ป๐ฒ๐ณ๐ถ๐๐ ๐
๐จ๐ซ ๐ง๐ต๐ฒ ๐ฆ๐ฒ๐น๐น๐ฒ๐ฟ:
๐ A buydown may help you avoid price reductions.
๐ The cost you incur may be a tax write-off.
๐ A concession may foster goodwill in the process of selling your home.
๐ It makes your home available and appealing to a wider group of homebuyers, especially in a higher rate atmosphere.
๐๐ฒ๐ป๐ฒ๐ณ๐ถ๐๐ ๐
๐จ๐ซ ๐ง๐ต๐ฒ ๐๐๐๐ฒ๐ฟ:
๐ You can save move up front when purchasing a home.
๐ A lower interest rate may result in a lower monthly payment.
๐ You may be able to use the extra funds for other other expenses associated with homeownership.
๐ Any unused funds will be applied as a la principal reduction.
๐๐ฏ๐๐ข๐ฅ๐๐๐ฅ๐ ๐
๐จ๐ซ:
๐ 30-year Fixed Rate Conforming Loans*
๐ Conventional Purchases | Primary and Second Home: 1 Unit
๐ High Balance (FNMA)
๐ HomeReady / HomePossible | Purchase Primary: 1 Unit
๐ง๐ต๐ฒ ๐๐ถ๐ป๐ฒ ๐ฃ๐ฟ๐ถ๐ป๐:
๐ For a Conventional loan 3/2/1 , 2/1 or 1/0 buydown, the seller can pay for the buydown.
๐ Eligibility requirements, exclusions and other terms and conditions apply.
Take the Stress Out of Buying A Home๐ก๐ โ
โ
๐ก๐ผ๐๐ฒ๐บ๐ฏ๐ฒ๐ฟ ๐ฎ, ๐ฎ๐ฌ๐ฎ๐ฎ is National Stress Awareness Day!
Take breaks from watching, reading, or listening to news stories, including those on social media.
โ
Take deep breaths, stretch, or meditate๐ง
โ
Try to eat healthy, well-balanced meals๐
โ
Exercise regularly๐๏ธ
โ
Get plenty of sleep๐ด
Remember to take care of yourself today, and everyday.
Let's discuss your plans and how I can help!
โฌ๏ธ๐จ๐ท๐ท๐ณ๐ ๐ต๐ถ๐พโฌ๏ธ
https://bit.ly/3RAj46X
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
๐ฃ - ๐๐ก๐ ๐๐จ๐ฅ๐ข๐๐๐ฒ ๐ฌ๐๐๐ฌ๐จ๐ง ๐ข๐ฌ ๐๐จ๐ฆ๐ข๐ง๐ ๐๐๐๐! Are you ready?
โ
We can help!๐
Come join us for a morning of ๐๐จ๐ฅ๐ข๐๐๐ฒ ๐๐จ๐ฉ ๐๐ฒ ๐๐๐๐๐ฌ - ๐๐๐ ๐ฌ๐จ๐ฆ๐ ๐จ๐ ๐ญ๐ก๐ ๐๐๐ฌ๐ญ ๐๐ฎ๐ฌ๐ญ๐จ๐ฆ ๐ฉ๐จ๐ฉ-๐๐ฒ ๐ ๐ข๐๐ญ๐ฌ ๐ญ๐จ ๐๐จ๐จ๐ฌ๐ญ ๐๐ฅ๐ข๐๐ง๐ญ ๐ฅ๐จ๐ฒ๐๐ฅ๐ญ๐ฒ ๐๐ง๐ ๐๐ฎ๐ข๐ฅ๐ ๐ซ๐๐ฉ๐ฉ๐จ๐ซ๐ญ ๐ฐ๐ข๐ญ๐ก ๐ฉ๐ซ๐จ๐ฌ๐ฉ๐๐๐ญ๐ข๐ฏ๐ ๐๐ฅ๐ข๐๐ง๐ญ๐ฌ.
On Thursday, November 10, 2022 from 10AM - 11AM At Uptown Koffee & Kafe located at 2700 Milton Way, Milton, WA 98354
๐ฌ๐๐๐๐ ๐๐๐๐๐๐ ๐๐๐
๐๐๐๐๐๐ ๐๐ ๐๐ ๐๐๐
๐๐๐๐ ๐๐๐๐๐๐ ๐๐๐๐ ๐๐๐ ๐๐๐๐๐
๐๐ ๐๐๐-๐๐ ๐๐๐๐!โ ๐
โ
RSVP NOW: https://bit.ly/3yO86TI
Loan Products perfect for ๐ฌ๐ข๐จ!
That meet ๐ฌ๐ข๐จ๐ฅ financial needs and ๐ฌ๐ข๐จ๐ฅ goals!
Let's discuss your plans and how I can help!
โฌ๏ธ๐จ๐ท๐ท๐ณ๐ ๐ต๐ถ๐พโฌ๏ธ
https://bit.ly/3RAj46X
โ โ
โ โ
โ
3โฆ2โฆ1โฆ๐ฝ๐ช๐ฎ๐๐ค๐ฌ๐ฃ! ๐๐ Weโve just expanded our product offering to include ๐ฏ-๐ฎ-๐ญ ๐ฏ๐๐๐ฑ๐ผ๐๐ป๐!
This means the borrowerโs payment is reduced by ๐ฏ% ๐ณ๐ผ๐ฟ ๐๐ต๐ฒ ๐ณ๐ถ๐ฟ๐๐ ๐๐ฒ๐ฎ๐ฟ, ๐ฎ% ๐ณ๐ผ๐ฟ ๐๐ต๐ฒ ๐๐ฒ๐ฐ๐ผ๐ป๐ฑ ๐๐ฒ๐ฎ๐ฟ, ๐ฎ๐ป๐ฑ ๐ญ% ๐ณ๐ผ๐ฟ ๐๐ต๐ฒ ๐๐ต๐ถ๐ฟ๐ฑ ๐๐ฒ๐ฎ๐ฟ!โ
โ
Experience the benefits of a buydown!
Let's discuss your plans and how I can help!
โฌ๏ธ๐จ๐ท๐ท๐ณ๐ ๐ต๐ถ๐พโฌ๏ธ
https://bit.ly/3RAj46X
How familiar are you with this spooky holiday?
Comment your answers belowโฌ๏ธ
Determining how much you can afford is an important first step in shopping. Ask yourself the following questions:
โ
How much will your monthly payments be? Take into consideration future changes in your household income.
โ
Are you anticipating a promotion at work that would increase your salary?
โ
Will you be adjusting from a double income family to a single income in the coming years?
โ
If the interest rate is adjustable - can you afford the larger payment when the rates increase?
Your debt-to-income ratio is the amount of debt payments per month divided by the amount of your income per month. This ratio helps lenders decide how large a monthly payment you can afford.
In addition to the lender knowing what you can afford, you must be comfortable with the size of your monthly payment.
Let's discuss your plans and how I can help!
๐ฒ(206) 451-3425
โ โฌ๏ธStart a pre-approval applicationโฌ๏ธโ
https://bit.ly/3RAj46X
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!
โ โฌ๏ธStart a pre-approval applicationโฌ๏ธโ
https://bit.ly/3RAj46X
Do you know your credit score off the top of your head? ๐ค
If you are looking to improve your credit score, let's chat about our CrediTools option ๐
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
โฌ๏ธ APPLY TODAY โฌ๏ธ
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
โฌ๏ธ APPLY TODAY โฌ๏ธ
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!
โ
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.
โ
RSVP NOW for Coffee and Conversation! โ
โ
eventcreate.com/e/holidaypopbys
โ
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 โ 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.
The road home starts with Fairway.
Weโre here when you need us.
With more than 26 years of service, speed and satisfaction, weโre just getting started.
Discover more through the link in our bio!
CALLING ALL REAL ESTATE AGENTS are you ready to navigate this new market we have entered in to?
Join us on Thursday, October 13, 2022 from 10AM - 11AM At Uptown Koffee & Kafe located at 2700 Milton Way, Milton, WA 98354 and Level up your marketing skills.
Sell the whole neighborhood with our Prospecting Class!
Right now, there are homeowners open to selling. Do you know how to find them?
RSVP NOW to learn how to increase your prospecting and get leads!
https://www.eventcreate.com/e/prospecting
At Fairway, weโre more than mortgages.
Visit to learn more about how you can help give back.
Lending where you live.
We are licensed in 3โฃ5โฃ states and are able to help you make a smooth transition.โ
Discover More: https://bit.ly/3DYgQKb
Paint The Street Pink!
๐ 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?
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
Our team loves their coffee!
What's your go-to coffee?
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
Autumn has arrived, and itโs the perfect time to get in touch with your finances! After summer fun, trips, BBQs, and pool parties, itโs an excellent time to look at your budget and see where youโve 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 youโre done reviewing your summer spending, itโs 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!
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
โ
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, letโs grab coffee so we can get all of your questions answered!
I am here for you all weekend...
โ
Let's discuss your plans and how I can help!
๐ฒ(206) 451-3425
โ
โ โ
โ โ
โ
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 โ โ โ โ โ 5 Star SocialSurvey Review by Scott A. Click to see all 17 reviews of Brian Richard, Loan Officer| NMLS # 2001158
Videos (show all)
Contact the business
Telephone
Opening Hours
Monday | 08:00 - 17:00 |
Tuesday | 08:00 - 17:00 |
Wednesday | 08:00 - 17:00 |
Thursday | 08:00 - 17:00 |
Friday | 08:00 - 17:00 |