Stephen Quinonez, Sr. Loan Officer, 20+ years of experience

Stephen Quinonez, Sr. Loan Officer, 20+ years of experience Q Mortgage Group Powered By Barrett Financial Group, LLC (NMLS 181106) I look forward to working with you.

Stephen Michael Quinonez | NMLS #197296 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2314 S Val Vista Dr, Suite 201, Gilbert, AZ 85295 | 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 | FL MLD1880 | HI 181106 | ID 2080181106 | NV 5091 | OR | TX view complaint policy at www.barrettfinancial.com/texas-complaint | UT 11368611 | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

Are you buying, selling, refinancing, or building your dream home, you have a lot riding on your loan making decisions. Market conditions and loan programs change frequently, you need to make sure you're dealing with a top mortgage professional who can give you quick and accurate mortgage advice. For over 20 years I have found myself in countless situations working 1st time homebuyers, self-employed, retirees and investors. This has afforded me the opportunity to have vast experience and knowledge to work with any type of situation. I am committed to providing my customers with mortgage services that exceed their expectations.

09/15/2026

You paid off the house. So why does money still feel tight?

Here is what almost nobody tells retirees over 62.

The equity sitting in your paid-off home can actually pay YOU.

It's called a reverse mortgage.

You pull cash out of your own home with no required monthly mortgage payment.

You still own it. You still live in it.

Take it as a lump sum, as monthly income, or as a line of credit you only touch when you need it.

For a lot of folks in Arizona and Florida, that's the gap between just surviving on a fixed income and actually living.

This isn't right for everyone, and the numbers depend entirely on your age, your home, and your situation.

That's exactly what I'll walk you through.

Book a free strategy call and let's run your numbers together:
https://link.qmortgagegroup.com/widget/bookings/scheduler-phone-c2f284c5-84aa-4c97-9dad-b0476027017b

09/14/2026

Q’S MARKET PLAY | Week Ending September 11, 2026

Before we talk markets, we remember those we lost on September 11th, their families, our first responders, and everyone whose life was forever changed that day. We remember!!!

Now to the market because last week was a rough one for mortgage rates.

📈 Conventional rates pushed back toward the 7% neighborhood.
📊 Inflation gave us mixed signals.
🏠 Housing inventory continued to build.
🏦 And now all eyes turn to the Fed this week.

But here's the part I really want homebuyers to understand:
I worked with a first-time buyer around the $500,000 price point last week. We compared Conventional vs. FHA and, surprisingly,

FHA won because of the difference in interest rate, even with a slightly larger down payment.

That’s why I say:

🎯 Don’t shop for a mortgage. Build a mortgage strategy.
Your best option isn't always the one you expected.

🎥 Watch this week’s Q’s Market Play for my breakdown of what happened last week and what I’m watching this week.

Prepare.

Don’t predict.

If you or any of your friends, family, or coworkers are looking to buy, sell, refinance, or invest, send me the word MARKET.

I’m Q with Q Mortgage Group powered by Barrett Financial Group, LLC.

You worked your whole life to build the retirement you pictured. But the cost of everyday life keeps creeping up, and fo...
09/11/2026

You worked your whole life to build the retirement you pictured. But the cost of everyday life keeps creeping up, and for a lot of folks 62 and older the retirement they planned for isn't quite matching the one they're living.

Here's what most people don't sit down and think through. Senior homeowners are sitting on a record amount of home equity right now, the most ever measured. That's real wealth. And it's just sitting there in the walls while grocery, insurance, and healthcare costs keep climbing.

I'm not saying run out and borrow against your house. I'm saying understand it. Home equity is one piece of a bigger retirement picture, and most people never even look at whether it belongs in the plan. That's a conversation worth having before you need it, not after.

If you're a homeowner thinking through this, or an adult child helping mom and dad figure it out, I'd rather talk it through than hand you a loan application.

👉 Message me and let's just start with a conversation.

09/09/2026

🚨 The jobs numbers can't agree with each other and that could matter to your mortgage rate.

This week, the government reported 162,000 new jobs in August.

Sounds like a strong labor market, right?

Well… not so fast.

Two other employment reports estimated only about 36,000 –38,000 new jobs. That's a HUGE difference.

Why should you care if you're thinking about buying a home?

Because signs of a slowing economy can be good for the bond market and potentially good for mortgage rates.

🎯 Q'S PLAY: Don't try to perfectly time the bottom in rates.

Figure out what makes sense for you TODAY, get your financing strategy in place, and be ready if the market gives us an opportunity.

And remember, the Fed does NOT directly set mortgage rates.

I watch the bond market every day so my clients don't have to.

Thinking about buying, moving up, downsizing, refinancing or investing?

👇 Comment or DM me MARKET and let's run your numbers.

They rented the same home for 7 YEARS.Same walls. Same yard. Same rent check going out the door every single month.Then ...
08/16/2026

They rented the same home for 7 YEARS.

Same walls. Same yard. Same rent check going out the door every single month.

Then they decided it was time to find out if they could actually own instead of rent.

First-time buyers, looking at a $250,000 double-wide manufactured home, and they weren't sure how much money they'd need to make it happen.

That's where the right financing strategy changed everything.

We structured their purchase using USDA financing, allowing qualified borrowers and eligible properties to potentially finance 100% of the purchase price with no down payment. In their particular transaction, their credit report, appraisal, septic inspection and foundation certification were also refunded at closing.

And yes — this was a manufactured home.

A lot of buyers don't realize that USDA financing may be available for eligible manufactured homes and can potentially provide 100% financing for qualified borrowers purchasing eligible properties.

Instead of writing another rent check, they're getting the keys. 🔑🏡

If you've been renting for years because you think you need a huge down payment, don't assume you can't qualify. Let's run the numbers first.

Why keep renting when you may already be in a position to own?

👉 Send me a message or drop a comment if you've got questions — and if you know somebody this could help, tag them.

(USDA financing is subject to borrower, household income, property-location and program eligibility requirements. Not all borrowers or properties will qualify. This is not a commitment to lend. All loans are subject to credit approval.)

05/14/2026

Today we celebrate an incredible accomplishment! 🎓✨

Congratulations to Tatum on graduating from Arizona State University with a degree in Psychology! Your dedication, discipline, and determination have been nothing short of inspiring.

Balancing life as a professional ballerina while earning your degree is a true testament to your work ethic and passion. You set your mind to something and make it happen with grace, strength, and perseverance.

Bravo, Tatum! The future is so bright, and this is only the beginning. We are beyond proud of you! ❤️🩰

04/21/2026

Happy Anniversary, sweetheart ❤️

04/16/2026

Rudy Johnson KW Inspire: Commercial, Residential & Investments - Your rent went up again this year.
And you got nothing new for it.

No equity. No yard. No garage. No stability.
Just another 12 months of paying someone else's mortgage.

Here's what nobody tells renters.
In over half the counties in America, owning is now cheaper than renting month to month.

That means the thing you thought was "out of reach" might already be more affordable than what you're doing right now.

I've got a home available that gives you everything your apartment doesn't. Space, privacy, a locked in payment, and actual ownership.

Click the link in the comment section for details, price and house tour. See all this before you come to the open house.

03/01/2026

Brielle’s Fight, Our Walk…
Our journey with Brielle led us here. It led us to understand the relentless fight against FIRES syndrome, a rare & brutal epilepsy, and it led us to the life-saving heroes in the Barrow Neuro Critical Care ICU. Thank you to all who showed up today and gave of their time, talent and treasurers!

Welcome home to this stunning Toll Brothers luxury residence in the gated community of Dorada Estates! Scan the QR Code ...
02/07/2026

Welcome home to this stunning Toll Brothers luxury residence in the gated community of Dorada Estates! Scan the QR Code for a virtual tour and to schedule a private showing of this 5 bed, 4.5 bath dream home with a media-bonus room, office, and resort-style backyard. Ask about our preferred lender incentive.

Address

2701 E Insight Way, Suite 150
Chandler, AZ
85286

Opening Hours

Monday 6am - 7pm
Tuesday 6am - 7pm
Wednesday 6am - 7pm
Thursday 6am - 7pm
Friday 6am - 7pm
Saturday 6am - 7pm
Sunday 6am - 7pm

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