Your home loan, handled by advisors who actually advise.
Purchase, refinance and investment loans from licensed advisors who take the time to get it right. Tell us what you're working toward and an advisor will come back with real options, not a sales pitch.
One team for the first home, the next rental and the building after that.
Questions? See the FAQ →Purchase
FHA, VA, USDA, conventional and jumbo, plus down payment assistance for first-time buyers.
Home purchase loans →Refinance
Free, no-pressure refinance analysis. We let the numbers do the talking, and we'll tell you if it doesn't pencil.
Refinance →Investment property
DSCR loans that qualify on the rent, house hacking a 2 to 4 unit, second homes and self-employed programs.
Investment property loans →Commercial
Business-purpose financing for commercial property, structured around the deal in front of you.
Commercial loans →We teach before we lend.
Buying your first home is a big deal, and it's normal to feel a little nervous. You don't need to have it all figured out. Bring your questions, even the ones that feel basic, and we'll take it one step at a time, at your pace.
No pressure and no jargon. Just a real person in your corner from the first conversation to the day you get the keys. Prefer to learn with other buyers? Ask about our First-Time Home Buyer Bootcamp.
- 01Start with a conversation
Tell us where you are. There's no wrong place to start, and no credit check to talk.
- 02Make a plan together
A monthly payment you're comfortable with and a clear next step.
- 03We're with you to the keys
Questions will come up. Call or text us anytime.
Know your payment before you fall for the house.
Taxes and insurance included, because that's what actually leaves your account each month.
Open the full calculator →
Try the temporary buydown calculator →
Estimate only, not a quote or a commitment to lend. Enter your own rate. Does not include mortgage insurance, which may apply with less than 20% down. Your actual rate and payment depend on credit, loan program, property and market conditions.
Heart & HustleA lot of the files I'm proudest of looked like a dead end somewhere else.
Decades in lending and leadership, and the same approach on every file: understand the goal, find the structure that gets there, and tell you the truth about the tradeoffs before you sign anything.
How it works
- 01Tell us the goal
Use the short form or call. Where you're buying, what you want the payment to look like.
- 02Talk to an advisor
A licensed advisor walks through your income, credit and options with you.
- 03Get pre-approved
Apply online, and we shop your loan so your offer is backed by a real approval.
- 04Close with confidence
Same advisor from the first call to the closing table. No hand-offs to a call center.
The team
Meet everyone →
Where we lend
Advisors across Texas, from Central Texas to the Houston area, and licensed in Colorado too. Our office is in downtown Georgetown. Buying in another state? Through Barrett Financial Group's referral team, we can close in every state where Barrett Financial Group is licensed.
Questions we hear every week
Do you only lend in Texas?
No. Our advisors work across Texas, our office is in Georgetown, and Gene Griffin is licensed in Texas and Colorado. Through Barrett Financial Group's referral team we can close loans in every state where Barrett Financial Group is licensed. You'll work with an advisor licensed in the state where your property is.
Are you a bank or a mortgage broker?
A mortgage broker. Massif Mortgage Group is a DBA of Barrett Financial Group, which lets us compare loans from wholesale lenders instead of offering one bank's menu.
Does it cost anything to talk with an advisor?
No. The first conversation is free and there's no obligation.
Will getting pre-qualified hurt my credit?
Our pre-qualification form doesn't pull your credit. When you're ready for a pre-approval, your advisor will explain the credit check before it happens.
My credit isn't perfect. Should I still reach out?
Yes. We look at the whole picture, not just the score, and we'll tell you plainly what it would take to get approved.