When Your Loan Gets Complicated,
Call Julie — Your 24hr Loan Officer
Self-employed? Complex income? Construction loan?
I specialize in the deals other lenders send away — and I close them fast.
Serving CA, AZ, NV & ND.
Rated 5 Stars by Clients
★★★★★
Your Trusted Mortgage Partner
With 23 years in the mortgage industry, I've built my reputation on the hard files — self-employed borrowers, non-QM solutions, new construction, and investor loans. I don't just take the easy ones. If another lender told you no, call me. I work directly with wholesale lenders to find options banks won't offer, and I communicate with you every step of the way — nights and weekends included.
23 Years Closing Complex Loans
4 States
CA · AZ · NV · ND
One Call Gets You Real Answers
Mortgage Solutions Simplified
Experience personalized mortgage services tailored to your unique
financing needs and goals.
First-Time Homebuyers
Buying your first home is one of the biggest decisions you'll ever make — and you deserve someone in your corner who explains every step without the runaround. I'll walk you through your options, tell you exactly what you qualify for, and make sure you never feel lost in the process. Let's get you home.
Refinancing Options or 2nd Liens
Your situation has changed — your mortgage should too. Whether you're looking to lower your rate, pull cash out, consolidate debt, or shorten your term, I'll find the strategy that actually makes sense for your numbers. No generic advice. Just a real look at what works for you.
Self-Employed & Non-QM
Bank statement loans, 1099 income, business owner scenarios — I know how to read tax returns and make your income work.
Julie made my mortgage process seamless and stress-free. Her expertise and personal touch truly set her apart. Highly recommend her services to anyone!
John M.
★★★★★
Trust
Your partner in finding the right financing solutions.
Contact Today
julie@barrettfinancial.com
909-856-9374
© 2025. All rights reserved.
Julie Ryan | NMLS #1100109 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AZ 0904774 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License | NV 5091 | ND MB103863 | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106
