Your Trusted Mortgage Broker
At Michaela the Lender, we specialize in providing tailored mortgage solutions for you. Thru Barrett Financial Group, we can lend in all 50 states, excluding New York. Whether you’re a first-time homebuyer or looking to refinance, we bring years of expertise to ensure you secure the best possible loan terms. As part of Barrett Financial Group, you can trust that you’re working with a team committed to your financial success. Explore our wide range of home loan options, including conventional, FHA, VA, USDA, and refinancing, all designed to meet your unique needs.
Polygon Research
A new study by Polygon Research shows that consumers save an average of $10,662* when they work with an independent mortgage broker instead of a retail lender — and VA borrowers even more. In addition, an increasing percentage of home purchase loans are originated for minority borrowers through the broker channel, highlighting the crucial role brokers play in promoting homeownership among underserved communities.
Read Our Reviews!
At Michaela The Lender, the 5-star reviews speak volumes about the exceptional service provided. Clients praise the smooth mortgage process, personal attention, and expert guidance. Homebuyers consistently highlight how Michaela’s dedication and transparency made their experience stress-free and rewarding. Whether it’s securing great rates or timely communication, customers are impressed and highly recommend her services.
About us
Cash-Out Refinance – Unlock Your Home’s Equity
Unlock Your Home’s Potential
If you’ve built up equity in your home, a cash-out refinance can be an excellent option to access that value. Whether you’re planning home improvements, consolidating debt, or need funds for a major expense, a cash-out refinance including Frisco, TX, could be the financial solution you need.
Is Cash-Out Refinancing Right for You?
Cash-out refinancing is ideal for homeowners who have substantial equity in their homes and are looking for a way to finance large expenses. Our team will help you evaluate all factors to determine if a cash-out refinance is the best move for your financial situation.
Contact Us Today!
Contact us today for a free consultation and let our experts bring your vision to life.
Conventional Loans – A Standard for Stability
Understanding Conventional Loans
Conventional loans are among the most common mortgage options available and are ideal for borrowers with strong credit. These loans are not insured or guaranteed by the federal government, making them a popular choice for those who qualify. With Michaela the Lender, you can explore conventional loans including Frisco, TX, that offer competitive interest rates and flexible terms.
Is a Conventional Loan Right for You?
A conventional loan might be the right choice if you have a good credit score, a low debt-to-income ratio, and a substantial down payment. However, even if you don’t meet all these criteria, Michaela the Lender is here to guide you through the process, offering solutions that fit your unique situation. We’ll help you navigate the requirements and find the loan that aligns best with your homeownership goals.
FHA Loans – Affordable Financing for All
What is an FHA Loan?
FHA loans are designed to make homeownership accessible, especially for first-time buyers or those with lower credit scores. Backed by the Federal Housing Administration, these loans allow for lower down payments and more flexible qualification requirements, making them a viable option for many buyers including Frisco, TX.
Is an FHA Loan the Right Choice for You?
FHA loans are particularly advantageous for first-time homebuyers or those with less-than-perfect credit. However, they do come with mortgage insurance premiums that are required for the life of the loan. At Michaela the Lender, we’ll help you weigh the pros and cons to determine if an FHA loan is the best fit for your needs.
About Us
At Michaela the Lender, we are dedicated to helping clients across Texas, Oklahoma, Georgia, and Florida achieve their homeownership dreams. With extensive experience in the mortgage industry, we offer personalized loan solutions tailored to your specific needs, ensuring a smooth and stress-free process from start to finish.
As part of Barrett Financial Group, we provide a wide range of mortgage options, including conventional loans, FHA, VA, USDA, and refinancing. Our commitment to excellence and customer satisfaction sets us apart in the industry.
Whether you’re buying your first home or refinancing an existing mortgage, we’re here to guide you every step of the way.
