NMLS #293058 · Goleta, California
Tony, Mortgage Loan Originator, NMLS #293058

Your Local Mortgage Expert on the Central Coast

Whether you're buying your first home in Santa Barbara, refinancing in Ventura, or financing an investment property anywhere in the country, I'll find the right loan and the best rate for your situation.

Apply Now → 📞 Call or Text (248) 925‑0539 📅 Schedule a Call
Tony, Mortgage Loan Originator, NMLS #293058
1
Apply OnlineTakes about 10 minutes. I start reviewing same day.
2
We Talk StrategyI call you to compare programs, rates, and terms.
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Close & FundMost loans close in 21-30 days from application.
Loan Programs

Find the Right Loan for Your Situation

I have access to over 150 wholesale lenders across three core categories. Click any program below for details.

🏡

Primary Residence

Buying or refinancing your home in AZ, CA, IL, MI, MN, NH, NJ, TX, or WA.

Full Doc (Conventional)
Traditional mortgage using W-2s, pay stubs, and tax returns. Conventional conforming and jumbo options available.

Best when: You're a W-2 employee with stable, documentable income. This gets you the lowest rates and most favorable terms, it should be your first choice if you qualify.
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FHA
Government-backed loans with down payments as low as 3.5% and more flexible credit requirements.

Best when: You're a first-time buyer with limited savings or a credit score that doesn't qualify for the best conventional pricing. FHA lets you get into a home sooner with less out of pocket.
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VA
Zero down payment for eligible veterans, active-duty service members, and surviving spouses. No PMI and competitive rates.

Best when: You have VA eligibility. Period. It's almost always the best deal available, zero down, no mortgage insurance, and rates that beat conventional. If you've earned this benefit, use it.
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Self-Employed (1099)
For independent contractors and 1099 earners. Uses 1-2 years of 1099 forms combined with bank statements to build a qualifying income picture.

Best when: You earn 1099 income and have the forms to prove it, but your tax returns are reduced by write-offs. This bridges the gap between what the IRS sees and what you actually bring in.
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Bank Statement
Use 12-24 months of personal or business bank statements to qualify instead of tax returns.

Best when: You're a business owner or freelancer whose deposits are strong and consistent but whose tax returns tell a much smaller story. If your accountant is great at saving you on taxes but it's killing your mortgage chances, this is the fix.
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P&L Statement
Qualify using a CPA-prepared profit and loss statement rather than tax returns or bank statements.

Best when: You have a CPA who can vouch for your income with a clean P&L, but your bank statements are messy (multiple accounts, business-to-personal transfers, etc.). Simpler documentation than bank statement programs when your books are in order.
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Foreign National
Mortgage programs for non-US citizens purchasing property in the United States. No SSN or US credit history required, qualification is based on assets, foreign income documentation, and down payment.

Best when: You're a foreign citizen buying a home or investment property in the US. These programs bridge the gap when you don't have a US credit profile, ITIN, or traditional domestic documentation. I work with lenders who specialize in this niche.
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🏢

Investor

Investment property financing. Business purpose loans available in most states nationwide.

DSCR
Qualify based on the property's rental income, not yours. No W-2s, no tax returns, no employment verification. Close in an LLC. 1-10 unit properties.

Best when: You want to scale fast without the documentation headache. If the rent covers the payment, you qualify. This is the go-to for full-time investors, anyone with 10+ financed properties, or borrowers who simply don't want to share personal income docs.
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Bank Statement
12-24 month bank statement programs for self-employed investors on purchase and refinance.

Best when: You're a business owner building a rental portfolio and your deposits tell a better income story than your tax returns. Especially useful when you're acquiring multiple properties and need consistent qualifying power.
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P&L Statement
CPA-prepared P&L qualification for investment property purchases and refinances.

Best when: Your CPA can document your income cleanly but your bank activity is complicated: co-mingled accounts, multiple businesses, large transfers. A P&L cuts through that noise.
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Self-Employed (1099)
Investment property financing using 1099 income documentation for qualifying.

Best when: You're a 1099 contractor buying rentals and want to use your actual contract income to qualify rather than your reduced tax return figures. Gives you more buying power than full doc.
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Full Doc (Conventional)
Traditional investment property loans using W-2 and tax return documentation. Fannie Mae allows up to 10 financed properties.

Best when: You have W-2 income and fewer than 10 financed properties. Conventional investor loans offer the best rates. If you can qualify with full documentation, this should always be your starting point.
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Fix & Flip
Purchase and rehab financing based on ARV (after-repair value) with draws for renovation. Short-term, interest-only structures.

Best when: You're buying a property to renovate and sell within 6-12 months. The loan covers both the acquisition and the rehab costs, and you only pay interest during the hold period, keeping your carrying costs low until you sell.
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Hard Money / Bridge
Short-term, asset-based financing with quick turnaround. Also offering bridge-to-perm exit strategies.

Best when: You need to close fast, like competing against cash buyers, or the property doesn't yet qualify for permanent financing (vacant, needs work, title issues). Get in the door now, refinance into a long-term loan later.
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Foreign National
Investment property financing for non-US citizens. No SSN or US credit history required. Qualify based on foreign assets, income documentation, and down payment (typically 25-30%).

Best when: You're an international investor purchasing US rental property. Whether you're based abroad or in the US without permanent residency, these programs let you build a US real estate portfolio without domestic credit history.
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🔑

Second Liens

Tap your home equity without refinancing your first mortgage.

HELOC
Home Equity Line of Credit, a revolving credit line secured by your home. Draw funds as needed and pay interest only on what you use.

Best when: You need flexible access to funds over time, ongoing renovations, a financial cushion, or covering expenses as they come up. You only pay on what you draw, so it's ideal when you don't need a lump sum all at once.
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Closed-End Second
A fixed-rate, lump-sum second mortgage. Pull equity from your home without refinancing your first.

Best when: You locked in a low rate (2-3%) and don't want to lose it. Get the cash you need on a second lien while your first stays untouched.
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Tony, Mortgage Loan Originator, NMLS #293058
📸 @Mortgages_by_tony

Hey, I'm Tony.

I've lived in Goleta for over 20 years, my wife and I are raising our four kids here, our whole family is part of the local water polo community, and when I can get away, I'm usually out fishing. This is home.

I'm a Mortgage Loan Originator at Barrett Financial Group, which means I don't work for one bank with one set of products. I have access to over 150 wholesale lenders, so I can actually shop your loan and find the best combination of rate, terms, and costs for your specific situation. That's the advantage of working with a broker.

I work with all kinds of borrowers, first-time homebuyers figuring out FHA vs. conventional, self-employed business owners who need a bank statement or P&L program, veterans using their VA benefit, and real estate investors building portfolios with DSCR and bridge loans. If you've got a scenario, I've probably seen something like it before.

I'm licensed for primary residence loans in nine states and can do business purpose loans in most of the country. But the Central Coast is where I know every neighborhood, every nuance, and every shortcut to getting your deal done right.

20+ years in Goleta Father of 4 Water polo family NMLS #293058
Let's Talk

Schedule a Call

Call or text me anytime at (248) 925‑0539. If you're busy, pick a slot below and I'll call you.

Common Questions

Frequently Asked Questions

How long does it take to close a loan?
Most purchase loans close in 21-30 days from a complete application. Refinances can sometimes move faster. DSCR and non-QM loans may take slightly longer depending on the lender, but I'll give you a realistic timeline before you commit so there are no surprises.
What do I need to apply?
It depends on the program. For conventional loans: recent pay stubs, W-2s, tax returns, bank statements, and a credit check. For DSCR loans: the property's rent schedule, your credit, and asset documentation, no income docs at all. For bank statement loans: 12-24 months of statements plus credit and assets. The fastest way to find out is to start an application and I'll tell you exactly what's needed for your situation.
What's the difference between a bank and a broker?
A bank offers you their products at their rates, take it or leave it. As a mortgage broker at Barrett Financial Group, I have access to over 150 wholesale lenders. I shop your loan across all of them to find the best rate, terms, and costs for your specific scenario. Same loan, better deal, because lenders compete for your business instead of the other way around.
Do you charge origination fees?
My compensation structure varies by loan. In many cases, the lender pays my fee (lender-paid compensation), which means no out-of-pocket origination cost to you. I'll break down the full cost picture, including lender fees, third-party costs, and my compensation, before you commit to anything.
What credit score do I need?
It depends on the program. Conventional loans typically want 620+, FHA goes down to 580 (or 500 with 10% down), and DSCR programs generally start at 660-680. But credit score is just one piece, I've closed loans for borrowers across the full spectrum by matching them to the right program. Don't assume you don't qualify before we talk.
Can you do loans outside of California?
Yes. I'm licensed for primary residence loans in Arizona, California, Illinois, Michigan, Minnesota, New Hampshire, New Jersey, Texas, and Washington. For business purpose loans (investment properties), I can originate in most states nationwide. If you have a deal somewhere, let's talk, I can probably help.
What's a DSCR loan?
DSCR stands for Debt Service Coverage Ratio. It's a loan program for investment properties where you qualify based on the property's rental income, not your personal income. If the rent covers the mortgage payment (a DSCR of 1.0 or higher), you qualify. No tax returns, no W-2s, no employment verification. You can close in an LLC. It's the most popular program among serious real estate investors. Full details here.
Do I need to apply before I can talk to you?
No. Call or text me right now at (248) 925‑0539 with any questions. I'm happy to talk through your situation, run some numbers, and help you figure out which program makes sense before you fill out a single form. No application, no commitment, no pressure.
Client Reviews

What Clients Are Saying

★★★★★

"We cannot overstate how wonderful it was to work with Tony. We had the opportunity to purchase a home off market on a very tight timeline. Tony was extremely easy to work with and get ahold of when we had questions. He stayed on top of everything and kept us very well informed. It made the whole experience stress free. We plan to use Tony again and have referred him to all our friends and family."

Kayla D.
Google Review
★★★★★

"We recently worked with Tony for our refinance, and he was fantastic! Our situation was a bit complicated due to some awkward income, but he didn't miss a beat. He helped us lock in the best rate possible and spent a lot of time walking us through different rate and payment scenarios so we felt confident in the decision. He was always available and gave us great service throughout the entire process."

TJ R.
Google Review
★★★★★

"Tony was great to work with! He was always available to answer any of our questions we had about the loan process and made the whole thing seamless from start to finish! Would definitely refer him to anyone looking to buy a home!"

Joshua E.
Google Review
Quick Estimate

Payment Calculator

Get a rough idea of your monthly payment. For a real quote based on your specific scenario, just call or text, (248) 925-0539.

Estimated Monthly Payment
$3,893
Principal & interest only. Does not include taxes, insurance, or HOA. Your actual payment and rate may differ, this is an estimate, not a quote.
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Areas We Serve

Central Coast Focus, Nationwide Reach

🌊 Santa Barbara 🏠 Goleta ⛵ Ventura 🌴 Carpinteria 🏔️ Montecito 🌾 Oxnard 🏘️ Camarillo 🍇 San Luis Obispo

Primary residence loans in AZ, CA, IL, MI, MN, NH, NJ, TX & WA. Business purpose loans in most states nationwide.

Ready to Get Started?

You don't need to schedule a time. Call, text, or email me right now. I'll give you a real quote based on your specific scenario.

Apply Online → 📞 Call or Text (248) 925‑0539