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

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

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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.

10/27/2026

🏡 HOUSING MARKET SLOWS! ARE BUYERS GAINING THE UPPER HAND?

This week's housing numbers tell an interesting story.

📉 Pending home sales fell 7.3% in September.

🏗️ New home construction dropped 5.2%.

🏠 Builder confidence reached its lowest level in 14 years.

So what does this mean if you're thinking about buying a home?

A slower housing market may mean less competition, more negotiating opportunities, and potentially more flexibility from sellers.

But there's another side to the story.

When builders slow construction, fewer new homes may be available down the road.

And while mortgage rates remain unpredictable, activity in the bond market can influence where they go next.

🎥 Watch this week's Q's Market Play to see how these developments could affect your next real estate move.

The goal isn't to time the market perfectly. It's to understand your options and make the numbers work for you.

📩 Buying, selling, refinancing, or investing? Send me MARKET.

Let's run the numbers before you need them.

Q Mortgage Group powered by Barrett Financial Group, LLC.

10/27/2026

CHICAGO BUILD EXPO 2026 — LET'S CONNECT! 🌆

I'm excited to be an Ambassador for Chicago Build Expo 2026, bringing together professionals from across the construction, real estate, and development industries!

Whether you're a builder, contractor, developer, architect, Realtor, or real estate investor, this is a fantastic opportunity to:
🔹 Connect with industry leaders and professionals
🔹 Discover new products, technology, and construction trends
🔹 Explore opportunities and build valuable relationships
🔹 Grow your network and your business!

At Q Mortgage Group, we're passionate about helping people turn real estate and construction opportunities into reality through creative financing solutions.

I'll be there, and I'd love to see you!

🎟️ Register here:
https://bit.ly/ChicagoBuildExpo2026

10/16/2026

What if the home you keep searching for just doesn't exist yet? Not in your price range, not in the right neighborhood, not with the layout you actually want. Here's something most buyers never consider. You don't have to wait for the perfect house to hit the market. You can BUILD it.

Ground-up construction sounds intimidating, I get it. Land, plans, permits, draws, timelines. But that's exactly why you bring in someone who does this for a living. Lot loans, construction loans, bridge loans to carry you from your current home to the new one. There are financing paths built specifically for this, and most people have no idea they qualify.

I've spent over 20 years helping people get creative with real estate, with access to 170+ lenders, because no single bank has every answer. So if you've been scrolling listings for months and coming up empty, maybe the house you want isn't out there yet. Maybe it's waiting for you to build it. Send me a message if you've got questions, or tag someone you know who's been stuck in the search.

10/15/2026

Here is one most buyers have never heard of. A qualified FHA buyer can get help toward their down payment AND finance a brand new solar system they actually OWN right into the mortgage. Not a lease. Not a second loan at some painful rate. One loan, one closing.

The way it works is simple. Depending on how you qualify, you may receive 3.5% or 5% of the purchase price toward your down payment and closing costs. The solar gets installed after you close, and its cost is repaid through the mortgage. Help getting in the door, and panels that are yours. That is the part most people miss.

Eligibility and program terms apply, and I will walk you through every piece so you actually understand it, not just nod along. That is how I do this. Want to see if it fits you?

Book a free strategy call 👉 https://link.qmortgagegroup.com/widget/booking/aeJrF3QRfmoqi1MSzHSa

10/14/2026

You own the business. Could you own the building, too?

Think about it. Every month you write a rent check, you're paying down someone else's mortgage, building someone else's wealth. Yet with the right financing, that same monthly commitment could be going toward a building you actually own. SBA financing is built for exactly this, helping eligible businesses buy or improve the space they operate in.

Here's how I break it down for my clients. SBA 504 is the specialist, long-term and fixed-rate money for owner-occupied commercial real estate and heavy equipment. Need working capital bundled in with the real estate? That's where SBA 7(a) earns its keep, because it can fund the building AND the operating cash in a single loan. One is purpose-built for the property. The other is the flexible all-rounder. Which one fits depends entirely on what you're trying to pull off.

And good news for anyone thinking bigger. As of July 2026, the SBA expanded its borrower limits so a business can access up to $5 million through 7(a) and up to $5 million through 504 independently. More room to build.

If you've been renting a space you'd rather own, let's talk through your options. I'll look you in the eye and tell you the truth about what makes sense for YOUR situation. Send me a message.

10/13/2026

Most buyers walk into a property and see what it is. Investors walk in and see what it could be. That gap right there is where the money lives.

Here's what people miss.

Home flippers are still making money in most U.S. markets, but the margin for error continues to narrow.

Flipping is still profitable in 2026, you just have to buy right, budget honest, and move fast. And buy and hold is quietly doing its thing too, because

July marked the fifth consecutive month of annual rent price growth.

People need places to live. That need doesn't take a year off.

You don't have to fund the whole thing out of your own pocket either. That's the part most folks never get told. Smart leverage lets you do more deals with less of your own cash tied up. Fix and flip or buy and hold, there's a structure that fits what you're trying to build. Let's talk through the numbers before you make an offer, not after.

09/22/2026

🎥 Watch Q’s Market Play below.

My play this week?

Prepare. Don’t predict.

Don’t make a housing decision based on one headline. Run the scenarios first.

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

Let’s run the numbers before you need them.

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

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.

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.

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

Website

https://qmortgagegroup.com/

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