Welcome to
Home Loans With Barb
where your dream of owning a home is nurtured with care and expertise
Barbara Masters-NMLS#487448
Your Trusted Mortgage Partner
Home Loans With Barb
Your Trusted Mortgage Partner
NMLS#487448
Welcome To
Welcome to Our Home Loan Center, your destination for a comprehensive range of mortgage solutions tailored to meet your unique needs and financial goals.
Welcome to our Home Loan Center, where we offer a variety of mortgage solutions:
Home Purchase
Find out how much home you can afford right NOW! Know exactly what you can afford before you start searching for a home.
Refinance
See if you can lower your rate and monthly payment! Get a quote on a home refinance today for potential savings.
Loan Options
Click below; we have a diverse collection of loan options. Let's get started on your exciting financial journey ahead!
WE CONSIDER OUR CLIENTS TO BE
OUR MOST VALUABLE ASSET.
See the action behind our words.
GUIDE FROM
EXPERIENCE
Originating loans for 25 years has allowed Barbara to cultivate lending
relationships and a level of
expertise that financially benefits clients and is deeply respected by
industry professionals
nationwide.
DELIVER
UNPARALLELED
VALUE
GUIDE FROM
EXPERIENCE
Our Services
Flexible, adaptable, and adjustable plans to fit your needs
Barbara’s commitment to her work is matched only by her dedication to her family as a mother of two and her passion for the outdoors as an avid equestrian. This balance of professional expertise and personal interests has earned her recognition as a five-star mortgage professional.
Our Loan Programs
Each loan is designed to match your specific financial needs, offering competitive rates and terms. Ready to find your perfect loan? Contact us for expert advice and start your homeownership journey today.
Conventional Loans
Ideal for borrowers with stable income and good credit. Conforming loans adhere to Fannie Mae and Freddie Mac guidelines, while Jumbo loans are perfect for high-value properties exceeding conforming loan limits.
- Ideal for borrowers with stable income and good credit
- Conforming loans adhere to Fannie Mae and Freddie Mac guidelines.
- Jumbo loans are perfect for high-value properties exceeding conforming loan limits.
Non-Conventional Loans:
Catering to unique circumstances, such as self-employment or varied credit history, these loans offer flexible options for individuals who may not meet traditional lending criteria, providing tailored solutions for diverse financial situations.
- Catering to unique circumstances like self-employment
- Targeting individuals who may not fit traditional lending criteria
- Strategic Varied Credit History Accommodation Solutions
Multi-Family Loans
These loans facilitate in real estate by allowing borrowers to generate rental income and designed for properties with multiple units, such as duplexes or apartment buildings
-
Invest in multi-unit
properties -
a strategic choice for long-term
investment -
Lenders assess both the property's
income potential - rental income
Construction Loans
Construction loans fund the building of new structures or major renovations. Lenders disburse funds in stages as construction progresses.
-
Turn your dream home into
reality - with tailored financing for home construction projects.
-
full repayment due when the project
is complete - pay interest only during construction
VA Loans
VA loans are mortgage options for eligible veterans, active-duty service members, and surviving spouses. Backed by the U.S. Department of Veterans Affairs
-
often feature competitive interest
rates - aim to support veterans in achieving homeownership
- offering financial benefits and flexible terms
- require no down payment
Jumbo Loans
Designed for financing luxury homes and high-value properties. These loans are tailored for properties exceeding conventional loan limits, usually over $1 million.
- To secure the best rates, it's important to have a robust financial profile
-
Including a good
credit score -
low debt-to-income
ratio - and a significant down payment
Refinance Options
Offering Rate and Term Refinance to change loan terms and rates, Cash-out Refinance to increase amounts and get cash, and Cash-in Refinance to reduce rates and pay down loans.
Home Equity Loans
Covering Home Equity Lines of Credit (HELOC) for flexible borrowing against home equity and fixed-term Home Equity Loans, often seen as second mortgages.
Interim and Multi-Property Financing
Introducing Bridge Loans for short-term financing, Cross-Collateralization Loans for leveraging equity in existing properties, and Investor Lending Programs, typically hard money loans for real estate investments.
Barb's Solutions
Home Equity Loans
Explore our Home Equity Line of Credit (HELOC) Loans, a flexible financial solution that lets you leverage your home equity. With HELOC, you can access funds up to a certain limit, pay interest only on the amount used, and replenish the credit as you repay. It’s ideal for ongoing expenses, home improvements, or as an emergency fund. Benefit from competitive interest rates, potentially tax-deductible interest, and the security of having funds available when needed. Learn more about how our HELOC can be a strategic financial tool for you.