Lance Richard Berg

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Lance Richard Berg From your first set of keys to your forever home. Informed, confident and cared for from the first conversation.

Mortgage Loan Originator | Barrett Financial L.L.C | NMLS #2694919 | Barrett Financial Group, L.L.C.| NMLS #181106 2701 East Insight Way, AZ

Apparently being a Mortgage Loan Originator wasn’t spooky enough… so we added Halloween. 🎃👻
10/02/2026

Apparently being a Mortgage Loan Originator wasn’t spooky enough… so we added Halloween. 🎃👻

Fannie Mae just made a pretty significant change that I think a lot of homeowners need to know about.If you’ve got a 3% ...
09/06/2026

Fannie Mae just made a pretty significant change that I think a lot of homeowners need to know about.

If you’ve got a 3% or 4% mortgage rate and you’ve been thinking about moving, but the thought of giving up that rate makes you cringe… this could be a game changer.

You may now be able to keep your current home, turn it into a rental, and use the rental income to help you qualify for your next home — without having a tenant and signed lease in place before you close.

Previously, this could get pretty difficult. You could potentially need a 12-month lease, security deposit, and first month’s rent collected before being able to use that rental income.

That creates a pretty ridiculous timing issue when you’re still living in the house and trying to buy your next one.

Now, for eligible departing residences, we can use documented market rent instead.

For example:

🏠 Current home could rent for $2,400/month
📉 75% of that = $1,800/month
💰 Current mortgage payment = $1,900/month

That $1,800 can potentially be used to offset the existing mortgage payment for qualifying purposes.

And the important part?

You don’t necessarily have to have a tenant lined up before you buy your next house.

Obviously, there are eligibility requirements and this won’t work for every situation. But for homeowners sitting on a mortgage rate they really don’t want to give up, it’s definitely worth having the conversation before automatically assuming you have to sell.

Sometimes the best move isn’t selling the house you’re leaving.

Sometimes it’s keeping it. 👀🏠

9 days.Application submitted.File cleared.Final Boss defeated.Closing table unlocked. 🏡There are a lot of moving pieces ...
08/28/2026

9 days.

Application submitted.
File cleared.
Final Boss defeated.
Closing table unlocked. 🏡

There are a lot of moving pieces between “Let’s buy a house” and “Here are your keys,” and this one managed to hit the fast-forward button. 2 weeks early at that.

Huge thanks to the borrower, the incredible agent, and everyone behind the scenes who kept things moving.

Next up: Closing Day.

08/24/2026

❓Question time!❓
How can 2 people have the same income yet different results?

Calling all medical professionals! 👋If buying a home has been on your mind, don’t assume your student loans or a smaller...
08/06/2026

Calling all medical professionals! 👋

If buying a home has been on your mind, don’t assume your student loans or a smaller down payment mean you have to put your plans on hold.

There are loan programs designed specifically for many healthcare professionals that can make homeownership more attainable than most people realize.

Every situation is different, but if you’re wondering what your options look like, I’m happy to run the numbers and answer any questions.

And if you have a friend, coworker, or family member in the medical field who’s thinking about buying a home, I’d be grateful if you’d keep me in mind.

Cleared to close in 6 days.It’s not about being fast for the sake of being fast. It’s about being prepared.Always apprec...
07/22/2026

Cleared to close in 6 days.

It’s not about being fast for the sake of being fast. It’s about being prepared.

Always appreciate everyone who helped make this one a smooth transaction. Looking forward to getting these buyers to the closing table.

On to the next one. 👊🏡

07/17/2026

Good Magic players don’t just wait for better draws.

They play the hand they’re dealt and adjust as the game changes.

Buying a home works the same way.

There will always be a reason to wait.

Better rates.

Better prices.

More inventory.

The trick is knowing the difference between being patient and being stuck.

MTG players… what’s the greediest opening hand you’ve ever kept because you knew you’d draw the land? 😂👇

07/05/2026

Magic taught me something long before mortgages did.

The people sitting around the table matter just as much as the cards in your hand.

Buying a home isn’t all that different.

A great team won’t make every deal easy, but they’ll make sure you’re never playing it alone.

Commander players… am I wrong? 👇

06/03/2026

Finally got this deck sleeved up.

Which means I’m about one game away from deciding half the cards need to come back out.

Also, let’s be honest. There are only two kinds of MTG players.

People who sleeve their cards.

And people I don’t trust.

Turns out whether it’s Magic cards or mortgage files, I spend a lot of time getting things organized before anybody ever sees the final version.

05/27/2026

First home. Big deal. Congrats Gary. Glad I could help make it happen. 🏠

Address

2701 East Insight Way, Suite 150
Chandler, AZ

Telephone

+15127037819

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