From your first home to your tenth investment property — from W2 simple to self-employed complex — if there's a loan for your situation, I have access to it. And if it doesn't fit the standard playbook, I'll find a way.
Whether it's your first home or you've done it before — these programs are built to get you in the door with the least friction and the best terms available to you.
If you're a veteran, active-duty service member, or eligible surviving spouse — this is the best loan in the game. No down payment, no mortgage insurance, and consistently the lowest rates available. Tony is a veteran advocate and will make sure you use every dollar of your benefit.
Perfect if your credit isn't perfect. FHA loans offer flexible qualification guidelines and low down payments — making it easier to get approved even if you've been turned down elsewhere. Great for buyers who want a second chance to win.
This is the standard most people know. Locked-in rate, consistent monthly payments, and no surprises. Ideal for buyers with solid credit who want long-term stability and a clean, straightforward transaction.
If you're buying in a qualifying rural or suburban area, USDA loans offer zero down payment and strong rates. A great fit for buyers purchasing just outside city limits — and many Florida communities qualify.
For high-value homes that exceed standard loan limits (above $766,550 in most Florida counties). Jumbo loans offer flexible options and strong rates for qualified buyers — Siesta Key, Longboat Key, luxury Sarasota, and beyond.
Business owners, freelancers, contractors, and commission earners often write off income the right way — and then get penalized for it at the mortgage desk. Not here.
If you're self-employed or don't show income the traditional way, this program lets you qualify using your bank deposits instead of tax returns. Perfect for business owners — sometimes even if you're only 1 year in business.
If you're a contractor, freelancer, or gig worker, this loan uses your 1099s to qualify — no tax returns or W2s required. Perfect for independent earners with strong gross income and clean credit.
Qualify using just a CPA-prepared profit and loss statement. No bank statements. No tax returns. Ideal for self-employed clients who manage their business income strategically and want a clean, simple qualification path.
Strong savings or investment accounts but don't show regular income on paper? We take your assets and calculate a monthly income based on what you already have. No tax returns, no pay stubs — just smart use of your money.
These loans don't require debt-to-income ratios. Ideal for well-qualified buyers with strong assets or large down payments who want privacy and speed over paperwork. No income or employment verification required.
From your first rental to a multi-property portfolio — Tony specializes in investor financing and understands how to structure deals that actually pencil out.
Qualify using the property's rental income — not your personal income. If the property's cash flow covers the mortgage, you're in. No pay stubs. No W2s. No tax returns. Tony works with investors across all of Florida on short-term vacation rentals, long-term holds, and multi-property portfolios.
No personal income required — rental income qualifies the loan
Short-term rentals qualify — Airbnb and VRBO properties welcome
As low as 15–20% down on investment properties
Scale your portfolio — no limit on number of properties financed
Designed for non-owner-occupied properties with options that support long-term investment goals. Whether it's your second home, first rental, or tenth property — Tony structures deals that work.
Short-term financing for buying and renovating homes fast. Ideal for real estate investors who need to move quickly, close on distressed properties, and maximize return on renovation projects.
Need to buy a new property before selling your current one? A bridge loan uses your existing equity to fund the new purchase. Temporary financing that gives you flexibility without being contingent on a sale.
Found the right home but it needs work? Building from scratch? These programs combine purchase and improvement costs into a single loan so you're not juggling multiple closings.
Building from scratch? This loan releases funds in stages as construction progresses and can convert into a permanent mortgage when it's done — one loan, one close, no double costs. Tony has active construction deals across Southwest Florida.
Found the right home but it needs work? This option lets you finance both the purchase and the repairs in one loan — so you're not scrambling for a separate contractor line of credit after closing.
Whether you want to lower your rate, pull cash out, or access your equity without refinancing — these programs put your home's value to work for you.
Reduce your interest rate, shorten your loan term, or switch from an adjustable to a fixed-rate mortgage. A straightforward way to reduce monthly payments or pay your home off sooner without taking cash out.
Refinance for more than you owe and take the difference in cash. A smart way to access equity for debt consolidation, home improvements, investment capital, or other goals — primary, second home, and investment properties.
Already have a VA loan? The Interest Rate Reduction Refinance Loan (IRRRL) lets you lower your rate with fewer steps and lower costs than a standard refinance. You can also do a VA cash-out refi to pull equity.
Use your equity smarter — primary home, second home, or investment property. First or second lien to renovate, invest, or eliminate debt. Access funds without touching your main mortgage. We structure it around your goals, not just your loan balance.
Homeowners age 62 and up can convert their home equity into tax-free cash with no required monthly mortgage payments. Tony will help you understand if this is the right fit for your retirement plan — no pressure, just the full picture.
Life doesn't always fit the standard qualification box. Tony spent 28 years solving problems that didn't fit the playbook. That same mindset applies to every loan file.
Life happens. Whether it's a bankruptcy, foreclosure, short sale, or serious late payments — we have loan options that let you bounce back faster than you think. Some programs allow financing just one day out from the event with solid income and a down payment.
Non-qualified mortgage loans serve borrowers who don't fit conventional or government loan guidelines but are creditworthy by any reasonable measure. Tony has access to dozens of non-QM programs across 160+ lenders.
Buy commercial property, expand your business, or access powerful SBA financing with competitive terms designed for growth.
Buy or refinance retail, office, industrial, or mixed-use properties. Whether you're an investor or owner-occupant, Tony structures commercial deals to match your cash flow and long-term investment plans.
Flexible SBA financing for business owners who want to buy commercial property, expand operations, invest in equipment, or even buy a business. Lower down payments, longer payback periods, and competitive terms built to support growth.
Specifically designed for owner-occupied commercial real estate and large fixed assets — with lower rates and longer terms than conventional commercial financing. If you occupy at least 51% of the property, this is often the strongest option available.
Tell Tony your situation. In one conversation he'll tell you exactly which program fits, what you qualify for, and what your next step is. No runaround. No sales pitch.
Tony is a former Fire Lieutenant. He knows what it means to serve and will make sure you get every advantage available.
Banks say no for reasons that don't matter to the right lender. 160+ lenders means more options than any single institution.
Multiple streams, self-employed, commission, RSUs, rental income — Tony has seen every combination and structured loans for all of them.
Tony can coordinate financing in your home state and your new Florida purchase simultaneously through the Barrett Financial network.