Ken Janes - Mortgage Advisor - Barrett Financial Group

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Ken Janes - Mortgage Advisor - Barrett Financial Group Certified Mortgage Advisor at Barrett Financial Group
Helping VA buyers, business owners, and homeowners build long-term wealth through real estate.

Serving California
VA • FHA • Conventional • Non-QM
NMLS #1987796 Mortgage finance runs in my blood. For years, I tried to resist it, but what kept drawing me back was the chance to make a real impact. I’ve learned that this work is so much more than numbers and paperwork, it’s about building meaningful relationships, serving my community, and helping families create both wealth and legacy. Everything begins with a home. But it doesn’t end there. Life changes, and your needs change with it. Your mortgage should grow with you, whether you’re starting fresh, expanding, or planning ahead for new seasons of life. That’s why I don’t just see myself as your loan advisor for today, but as your partner for the long run. My role is to guide you through the many options available, educate you so you feel confident in your choices, and ensure your home continues to be a foundation for opportunity year after year. Because a mortgage isn’t just a loan, it’s a stepping stone to the future you’re building. And I’d be honored to walk that journey with you. Ken Janes, Mortgage Advisor
NMLS #1987796

Cell: (805) 866-4416
[email protected]

Kenneth Morgan Janes | NMLS #1987796 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AZ 0904774 | CT ML-181106 | FL MLD1880 | ID 2080181106 | 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

Your mortgage payment fits your budget. Have you made room for home repairs, too?Aging appliances, exterior paint, and a...
10/26/2026

Your mortgage payment fits your budget. Have you made room for home repairs, too?

Aging appliances, exterior paint, and a roof that will eventually need replacing are costs you can start planning for before something breaks.

Start with one expense you see coming. Get an estimate, decide how much you want saved, and work backward to a monthly amount.

For example, a $2,400 savings goal over 24 months means setting aside $100 a month. That’s an illustration, not a repair estimate.

Keep that money earmarked for the house so a predictable repair is less likely to drain your emergency savings or add another monthly debt payment.

If a repair is coming up and you’re weighing savings against financing, I’m happy to help compare the options.

A little sunshine, some friendly goats, and time with Mom. ❤️📍 Sunshine Farm, Vista, CA
10/24/2026

A little sunshine, some friendly goats, and time with Mom. ❤️

📍 Sunshine Farm, Vista, CA

The rent may support a DSCR loan. What will you actually keep?For many residential DSCR programs, the lender compares qu...
10/24/2026

The rent may support a DSCR loan. What will you actually keep?

For many residential DSCR programs, the lender compares qualifying rent with principal, interest, property taxes, insurance, and association dues.

Your cash-flow review needs to go further. Repairs, time without a tenant, and property management can reduce what's left.

For example, if rent leaves $400 per month after those housing costs, a $2,400 repair would use six months of that cushion, before accounting for other operating expenses.

Before making an offer, we can review the financing alongside your operating budget and the cash you'll keep available for the property.

Message me if you'd like us to review a rental you're considering.

DSCR calculations and eligibility vary by program. Example is illustrative.

A slower month doesn't tell the whole story of your business.If your income comes in waves, a bank statement loan may of...
10/23/2026

A slower month doesn't tell the whole story of your business.

If your income comes in waves, a bank statement loan may offer a way to evaluate that income over time.

Lenders commonly review 12 or 24 months of eligible deposits. With business statements, the calculation also accounts for business expenses.

For example, $240,000 in eligible deposits over 12 months averages $20,000 per month before the applicable business expense adjustment. That average is a starting point, not your final qualifying income.

We want to review the full history before building your homebuying budget around a strong month or ruling yourself out because of a slow one.

Message me if you'd like us to review how your business income could support a home purchase.

Income calculations and eligibility vary by lender and program. Example is illustrative.

10/22/2026

Should you ask for a lower price or help with closing costs?

For a VA buyer, that depends on where you need the most flexibility: your monthly payment or your upfront cash.

We can compare both options before you and your agent put an offer together.

Message me if you’d like to see the difference.

Seller credits require seller agreement and must meet VA and lender requirements.

10/21/2026

Same price doesn’t always mean the same monthly cost.

Taxes, insurance, and HOA dues can change how a home fits your budget. Maintenance and repairs need room, too.

Before making an offer, we can review the actual property and estimate the full housing payment.

Message me if you’d like us to compare a home you’re considering.

10/19/2026

Your buyer is comfortable with the monthly payment but still on the fence. Could preserving more of their savings help?

Negotiating seller help with eligible closing costs could leave them with more cash for repairs, maintenance, and a safety net after the move.

That stronger financial position may give them the confidence to move forward.

We can compare the cash needed to close and the savings remaining afterward so you and your buyer have clear numbers before negotiating.

Message me if you have a buyer who could benefit.

If home equity helps lower your monthly debt payments, what happens to the money you free up?A car repair or broken wate...
10/19/2026

If home equity helps lower your monthly debt payments, what happens to the money you free up?

A car repair or broken water heater can put a balance right back on a credit card if there’s no cash set aside.

Once your regular expenses are covered, consider putting part of that monthly breathing room into a separate savings account. Setting aside $200 a month would build $2,400 in a year, before interest.

The amount should fit your budget. Having cash available for unexpected expenses can help you avoid borrowing again and protect the progress you’ve made.

Before using home equity to consolidate debt, we’ll compare options that support your goals, whether that’s paying off debt faster, reducing total interest, or lowering your monthly expenses to create breathing room.

If you’d like help seeing how home equity could fit your overall plan, I’m a message away.

❤️ Grateful for these moments together with Mom and Grandma.
10/17/2026

❤️ Grateful for these moments together with Mom and Grandma.

The rent you expect from a property may differ from the rent a DSCR lender can use.For a long-term rental, the lender ty...
10/17/2026

The rent you expect from a property may differ from the rent a DSCR lender can use.

For a long-term rental, the lender typically reviews the appraiser’s market rent estimate and an existing lease, when applicable. How those figures are used depends on the program.

For example, you might plan on $3,000 in monthly rent, but the supported figure could be $2,700. That difference can change how the property qualifies and which financing options fit.

Before making an offer, we can review rental comparisons and run the financing with a realistic estimate. Final qualification still depends on the appraisal and lender review.

Message me if you’d like us to evaluate a property you’re considering.

Address

210 Traffic Way Suite F
Arroyo Grande, CA
93420

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+18058664416

Website

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