With access to 100+ lenders and years of experience, I help you understand your options and choose the right mortgage with confidence.
Mortgage Loan Originator
NMLS# 2521668
We’ll review your goals together and build a plan to make them a reality.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
First-time homebuyer and down payment assistance programs help reduce upfront costs and make homeownership more accessible. These options are designed to support buyers with limited savings while offering competitive financing. Learn how available programs work, what qualifications are required, and how to plan for long-term affordability with guidance focused on education and clarity.
FHA home loans provide more flexible qualification guidelines and lower down payment requirements, making them popular with first-time buyers and those rebuilding credit. These loans are backed by the Federal Housing Administration and offer accessible paths to homeownership. Understand eligibility, mortgage insurance, and approval considerations before moving forward.
Non-QM loans provide flexible financing solutions for borrowers who do not meet traditional lending guidelines. These programs are commonly used by self-employed individuals, investors, or those with complex income profiles. Explore options designed to focus on affordability, sustainability, and real-world financial scenarios.
Self-employed borrowers often face unique challenges when qualifying for a mortgage. Specialized loan options allow income to be evaluated beyond traditional tax returns. Learn how alternative documentation, cash flow analysis, and tailored programs can help business owners, freelancers, and entrepreneurs secure financing that reflects their true earning power.
Bank Statement loans allow borrowers to qualify using personal or business bank deposits instead of tax returns. This option is ideal for self-employed individuals with strong cash flow and significant write-offs. Learn how deposits are calculated, what documentation is required, and how these loans support flexible income verification.
Conventional home loans offer flexible terms and competitive interest rates for buyers with strong credit and stable income. They are commonly used for primary residences, second homes, and investment properties. Explore down payment options, loan structures, and strategies designed to support both immediate affordability and long-term financial planning.
VA home loans are available to eligible veterans, active-duty service members, and surviving spouses. These loans often feature no down payment, competitive rates, and flexible guidelines. VA programs can also be used for construction and land-to-home financing. Learn how VA benefits work and how to use them effectively.
Jumbo loans are designed for higher-priced homes that exceed conventional loan limits. These loans require strong financial documentation and careful structuring. Explore jumbo loan options, qualification requirements, and financing strategies that support luxury home purchases while maintaining long-term financial stability.
Investment property financing requires a different strategy than primary residence loans. Options such as DSCR programs focus on rental income rather than personal income. Explore loan structures designed to support cash flow, scalability, and long-term real estate investment planning.
ITIN loans provide mortgage options for borrowers who use an Individual Taxpayer Identification Number instead of a Social Security number. These programs make homeownership possible for many qualified buyers. Learn about documentation requirements, eligibility guidelines, and how ITIN loans can be structured responsibly.
Refinance loans may help homeowners adjust their mortgage to align with changing financial goals. Whether the focus is lowering monthly payments, reducing interest rates, or restructuring debt, refinancing can improve cash flow and long-term stability. Explore refinance options based on your current situation.
A cash-out refinance allows homeowners to access their home equity for expenses such as renovations, debt consolidation, or major investments. By replacing an existing mortgage, borrowers can unlock equity while restructuring their loan. Learn how timing, rates, and long-term impact factor into responsible cash-out planning.
Renovation and construction loans allow borrowers to build or improve a home using a single financing solution. These programs can cover land purchases, new construction, or major renovations. Understand timelines, draw schedules, and loan structures designed to support complex projects from start to completion.
USDA loans offer zero-down financing for eligible rural and suburban homebuyers. These programs are designed to promote homeownership while providing competitive rates and flexible guidelines. Learn about property eligibility, income limits, and how USDA loans can reduce upfront costs.
A reverse mortgage allows eligible homeowners aged 62 and older to convert home equity into cash without monthly mortgage payments. These loans can support retirement income, medical expenses, or long-term financial planning. David Martel provides clear, educational guidance on reverse mortgage options, eligibility, and responsibilities so clients can make informed decisions with confidence.
A Home Equity Line of Credit provides flexible access to home equity as funds are needed. HELOCs function like a revolving credit line and can be used for ongoing expenses or large projects. Understand interest structures, repayment terms, and how to use home equity strategically.
Adjustable-rate mortgages offer lower initial interest rates that adjust over time. ARMs may be a strategic option for buyers planning to sell or refinance within a defined period. Explore rate structures, adjustment timelines, and risk considerations to determine whether an ARM fits your financial goals.
DSCR loans help real estate investors qualify using rental income instead of personal income, making them ideal for income-producing properties. These investor mortgage options focus on cash flow, flexible guidelines, and portfolio growth, supporting long-term real estate investing strategies with streamlined qualification and competitive financing solutions.
David Martel is a Mortgage Loan Originator with Barrett Financial Group LLC, dedicated to helping homebuyers, homeowners, and real estate investors make confident, well-informed financing decisions. Known for his client-first, concierge approach, David focuses on education, long-term planning, and clear communication at every stage of the mortgage process.
David works with a wide range of loan programs, including Conventional, FHA, VA, USDA, Bank Statement loans, DSCR investor financing, construction and land-to-home loans, All-in-One HELOCs, Reverse Mortgages, and debt-consolidation refinance strategies. He has a strong passion for helping first-time homebuyers understand their options, prepare financially, and move from renting to owning with confidence — or as David puts it, “Ditch the Landlord.”
With experience supporting self-employed borrowers, investors, and complex financing scenarios, David takes the time to build personalized strategies that align with each client’s goals. Whether the focus is buying a first home, building on owned land, refinancing to reduce debt, or structuring an investment loan, David provides straightforward guidance and transparent advice designed to remove stress and uncertainty.
David is licensed in AZ, CA, KS, MD, MI, MO, NV, NJ, NC, SC, OR, TN, UT, and WA, allowing him to serve clients across multiple markets while maintaining a highly personalized experience.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Tailored loan options and strategic guidance designed around your goals, income, and future plans, helping buyers, homeowners, and investors secure smart financing with clarity and confidence.
Access loan options with competitive interest rates and flexible terms designed to fit your budget, timeline, and long-term goals, helping you secure financing that works for today and the future.
Clear, step-by-step guidance through every stage of the mortgage process, from planning and application to approval and closing, ensuring confidence, transparency, and a smooth experience from start to finish.
Straightforward mortgage solutions with clear communication, simple steps, and personalized support, making it easy to understand your options and move forward with confidence from application to closing.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Choosing the right mortgage professional makes all the difference. David Martel brings a client-first, concierge approach to every loan, focusing on education, transparency, and long-term planning rather than quick transactions.
With experience across Conventional, FHA, VA, USDA, DSCR, Bank Statement, construction, and refinance solutions, David helps simplify complex options so you can make confident decisions. He takes the time to understand your goals, explain your choices clearly, and build a strategy that fits your financial picture.
Whether you’re a first-time homebuyer, self-employed borrower, or real estate investor, you get responsive communication, honest guidance, and support from application through closing. Licensed in 15 states, David delivers personalized service with the reach and resources of Barrett Financial Group.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
A wide range of loan programs are available to fit different financial situations and goals. These include Conventional, FHA, VA, USDA, Jumbo, Bank Statement, DSCR investor loans, construction and land-to-home financing, HELOCs, cash-out refinances, reverse mortgages, and debt-consolidation refinance options. Each solution is matched to your income, credit profile, and long-term plans to help you choose the right path.
The best loan depends on your goals, income structure, credit profile, and how long you plan to keep the home. During an initial consultation, your full financial picture is reviewed, options are explained clearly, and different scenarios are compared so you can make a confident, informed decision rather than guessing.
Yes. First-time homebuyers receive extra guidance and education throughout the process. This includes explaining loan options, down payment assistance programs, budgeting, credit preparation, and what to expect at each step. The goal is to make the process simple and help you move from renting to owning with confidence.
Absolutely. Self-employed borrowers often need alternative documentation such as bank statements or tailored Non-QM programs. These options focus on cash flow and real income rather than traditional tax returns. With the right strategy, many business owners and entrepreneurs can qualify even when standard guidelines don’t apply.
Yes. Investment property financing is available for both new and experienced investors. DSCR loans and other programs focus on rental income rather than personal income, helping investors scale portfolios while maintaining strong cash flow and long-term strategy.
Timelines vary based on loan type, documentation, and market conditions, but most purchases and refinances take about 21 to 30 days once a complete application is submitted. Clear communication and fast document review help keep the process moving as efficiently as possible.
Common documents include recent pay stubs or income statements, W-2s or tax returns, bank statements, photo ID, and permission to pull credit. Self-employed or investor loans may require different documentation. A personalized checklist is provided after your initial consultation so you know exactly what to gather.
Yes. Refinancing can help lower monthly payments, reduce interest rates, shorten loan terms, consolidate debt, or access home equity. Your current loan and goals are reviewed to determine if refinancing makes financial sense and how it would impact your long-term plan.
Mortgage services are available in AZ, CA, KS, MD, MI, MO, NV, NJ, NC, SC, OR, TN, UT, and WA. This multi-state licensing allows clients to receive consistent guidance across different markets while still getting a personalized experience.
Getting started is easy. You can schedule a consultation to review your goals and options or complete the secure online application at any time. From there, you’ll receive step-by-step guidance through pre-approval, underwriting, and closing so you always know what’s next.
