Thomas Borcich
Mortgage Loan Officer
- NMLS
- #263869
- Company
- Barrett Financial Group
Mortgage clarity from application to closing.
Personalized loan guidance for buying, refinancing, and comparing mortgage options with a practical path forward.
Best of Long Beach 2017, 2018, 2019, 2022, and 2024: voted #1 Mortgage Broker/Lender by the Long Beach community.
People's Choice Awards 2025: voted #1 Mortgage Broker/Lender by the Long Beach community.
Loan programs
Clear options for different mortgage goals.
Conventional Loans
Flexible purchase and refinance options for borrowers with established credit, stable income, and a strong down payment strategy.
FHA Loans
Government-backed financing with flexible qualification paths. Lower credit scores from 580 down to 500 may be acceptable with 10% down; manual underwriting is required.
VA Loans
Purchase and refinance options for eligible service members, veterans, and surviving spouses.
Jumbo Loans
Financing paths for higher-value properties that exceed standard conforming loan limits.
Refinance
Review rate, term, cash-out, and payment goals to see whether a refinance supports your next step.
DSCR Loans
Investment-property financing that looks at rental cash flow and property income instead of relying only on traditional personal income documentation.
Self Employed Borrowers
Options for business owners and borrowers with variable income, complex tax returns, or non-traditional documentation needs.
Reverse Mortgages
Guidance for eligible homeowners age 62 and older who want to explore home-equity access, payment flexibility, and long-term fit.
Process
A calmer path through the mortgage process.
Get Ready
Clarify budget, credit, down payment, timeline, and the documents needed for pre-approval.
Apply Securely
Submit the online application through the existing secure application portal.
Compare Options
Review program fit, payment estimates, and the tradeoffs behind each loan structure.
Close Confidently
Move through underwriting, conditions, final numbers, and closing with a clear checklist.