Tracy Pinto, Barrett Financial, L.L.C

07/14/2026

🏡 Did You Know? Not All Credit Scores Are the Same.

Have you ever had a client told they don't qualify for a mortgage because their FICO® score is too low or they have a limited credit history?

Before giving up on their dream of homeownership, let's have a conversation.

Many lenders only use FICO® scores, but some loan programs can use VantageScore®, which evaluates credit a little differently. For some buyers—especially first-time homebuyers or those with a shorter credit history—this can open the door to financing opportunities they may have been told weren't possible.

Every borrower is unique, and having access to more than one way to evaluate credit can make a real difference.

If you have a client who has been turned down because of a low FICO score or limited credit history, don't assume that's the end of the road.

📩 Reach out to me before you tell them "no." I'd be happy to review their situation and see if there's another option that could help get them into a home.

Let's work together to help more buyers become homeowners!

07/13/2026

🏡 LIMITED TIME: 1-0 Buydown Extended Through August! 🏡

Attention Real Estate Agents!

Your buyers just got a game-changing advantage. We're offering 1-0 Temporary Rate Buydowns — completely lender-paid at no cost to your buyers — available through August 31st only!

Here's How It Works:
✅ Lower First-Year Payments — Your buyers get an interest rate that's 1% lower for the first year of their mortgage
✅ Zero Cost to Buyers — We cover the entire cost — it's lender-paid, so there's no out-of-pocket expense
✅ Flexible Options — Available on conventional and government purchases with 8-30 year term options
✅ Easy Win — No closing cost burden on your buyers

Who Can Use It?
• Purchase loans only
• Agency products (conventional & government)
• New locks from July 1 - August 31, 2026
• Standard single-family homes only — FHA & VA manufactured homes do not qualify

This is the perfect tool to close deals and give your buyers immediate payment relief. When buyers are on the fence, a lower first-year payment can be the deciding factor!

Ready to give your buyers this advantage?
📞 CALL ME TODAY: 209-485-4932

Let's talk about how to position this with your buyers and close more deals before August 31st!

When you partner with me, you're getting a trusted lender who's committed to making your clients' homebuying experience smooth and stress-free.

Tracy Pinto | NMLS #2076264 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AZ 0904774 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit *The lender will add a credit to offset the cost of 1-0 buydown to 25 basis points (bps). 8-30 year term options available. 0.625 LLPA credit applied on government loans and conventional loans with 16–30-year terms. 0.50 LLPA credit applied on conventional loans with 8–15-year terms. New locks from July 1 through August 31, 2026. Available for purchase loans only on agency products, including both fixed and adjustable-rate mortgages (ARMs). Government ARMs not available. Not eligible for Control Your Price. This information is not intended to be an indication of loan qualification, loan approval, or commitment to lend. Loans are subject to credit and property approval. Barrett Financial Group reserves the right to cancel this offer at any time.

07/07/2026

Check out our updated flyer! We now have Tuolumne County Baggers hosting our co****le tournament! You can join with the QR code on the left!

05/25/2026

From Gen Z to the Silent Generation, homebuyers today come from every generation. Some are buying their first home, others are moving up or downsizing, but all have one thing in common: they’re making a move that fits their life stage and financial picture.

Curious what buying could look like for you? Connect with your loan originator to talk through your options.

05/25/2026

05/21/2026

I offer a special program that significantly reduces your mortgage payments for the entire first year. DM me to learn more!

04/06/2026

Taking pictures of the sunset and photobombed by a hummingbird not once but twice 🥰

03/16/2026

Now this is what I call FAST! Refinance for a client CTC in 4 days!

Are you equity-rich and debt-poor? Let's talk about how you may be able to benefit from a refinance. There is still time to get it closed this month!

02/25/2026

01/27/2026

It's the perfect time to explore how refinancing could lower your monthly payments and save you thousands over the life of your loan. Contact me today for a free, no-obligation rate check!