NMLS #1577800
Let a seasoned expert be your guide.
Unlike a bank that offers only its own rates, Barrett Financial of Spokane is a mortgage brokerage. When you apply, we instantly search 150+ wholesale lenders — from large national banks to credit unions — to find a competitive rate and best program for your exact situation. Lenders competing for your business means better rates for you.
See your estimated monthly payment instantly. We shop 150+ lenders to ensure your rate is competitive.
Estimates based on Spokane County averages. Your actual costs may vary — I'll provide a detailed Loan Estimate once we run your numbers for real.
Get full line-by-line estimate →Here is an example of what points can cost
Temporary Buydowns
A 2/1 buydown reduces your rate by 2% in year one and 1% in year two (seller-paid). A 1/0 buydown drops it 1% for the first year. Great if you expect rising income or plan to refinance.
Points are tax-deductible in most cases. I'll help you decide which option gives the best return based on your timeline.
Shorter terms mean higher payments but massive interest savings:
Tap any term above to update the calculator. These use today's rates — shorter terms often qualify for lower rates, so your actual savings could be even bigger.
Spokane Team Powered by Barrett Financial. With access to 150+ lenders, I find a competitive rate and the right program for your situation — not just whatever one bank offers. Whether you are buying your first home, refinancing, or a veteran looking for a VA loan, I quarterback the entire process so you can focus on the exciting part.
Answer 3 quick questions
As a veteran, a VA loan gives you 0% down, no PMI, and typically among the most competitive rates available. Let's lock yours in.
★★★★★ 5.0 from 50+ reviews on Google, Zillow & Yelp
"Curran was super helpful throughout our refi process, he was very knowledgeable and carefully guided us through the process with professionalism. Can't recommend him enough!"
"Curran was phenomenal to work with — he was available at every twist and turn of my first home buying experience. He communicated great between me and my realtor when necessary. The collaboration was amazing. If I were to buy another home, I would definitely be using him!"
"As first-time homebuyers we were pretty intimidated by the entire process. Curran made it seamless from start to finish."
Whether you're buying your first home or refinancing, I'll find you the right loan at the right rate.