Chad R Jenkins

10/06/2026

****REALTORS**** ****REALTORS****

Not Your Traditional FHA. Not Your Average Buyer

Our mission-driven housing empowerment program that goes beyond the traditional credit box.

This program helps underserved, underbanked, and overlooked homebuyers break the rent cycle, while creating new opportunities to expand your network of referral sources to serve more clients.

Homeownership Empowerment
Automated Cashflow Qualification

Non-QM Doc Types at 96.5% LTV

3-mos Bank Stmts, P&L, 1099, WVOE

1 year Self-Employed OK

US Citizens, PR, ITIN, DACA, NPRA, TPS

1 day BK Seasoning & 50/60 DTI

Exceptions Allowed for FICOs below 580

09/08/2026

https://flow.avenfoundry.com?i=dfb5c7bf-44ab-4697-b4b2-2565f4839cca

09/08/2026

Need a HELOC/2nd Mortgage, see how much you qualify in minutes. This is an automated system and does a light credit pull so it does not affect your credit. Once done terms follow with best program available for your situation

08/21/2026

What Is the Earned Equity Program?

This is an Earned Equity Program designed to help homebuyers who cannot qualify for a traditional mortgage today move into a home while building equity and preparing for ownership.

A HUD-approved government agency purchases the property on behalf of the homebuyer and facilitates a long-term lease structure while the borrower works toward being able to qualify to assume the underlying FHA loan. The end result is a standard FHA loan.

This is not a lease-to-own structure. It is an earned equity program that allows buyers to earn equity while leasing and preparing for homeownership. The monthly payment is not an inflated lease payment — it is a structured mortgage payment with a small property management fee.

The FHA-backed Earned Equity Program helps homebuyers who don't yet qualify for a traditional mortgage move into a home and build equity while working toward a standard FHA loan. Chad Jenkins, Loan Originator at Barrett Financial Group, NMLS #196990.

08/20/2026

A HUD approved government agency purchases the property on behalf of the homebuyer and facilitates a long-term lease structure while the borrower works toward being able to qualify to assume the underlying FHA loan.

08/20/2026

08/18/2026

CAN'T QUALIFY FOR A MORTGAGE TODAY? MOVE INTO A HOME ANYWAY — AND START BUILDING EQUITY NOW. THIS IS NOT A SELLER CARRY!

Realtors — do you have buyers who got turned down for a traditional mortgage this year? Before you write them off, I want you to know about a program we're offering here at Barrett Financial.
It lets qualified buyers move into a home now and start building real equity from day one, even if they can't qualify for a conventional loan today. A HUD-approved agency purchases the home on the buyer's behalf and structures a long-term payment plan while they work toward assuming the underlying FHA loan. This is NOT a rent-to-own setup — there's no inflated lease payment, no shared equity, and no balloon note. It's a fully documented, HUD-backed path to a standard FHA loan, with a locked, competitive rate for the life of the term.
A few highlights: only 3.5% down, no minimum credit score requirement (buyers below 580 are still considered), and the buyer has the right to modify and sell the home along the way. Approval typically takes just 10–15 days.
If you've got a buyer sitting on the sidelines because of a recent bankruptcy, thin credit, or a lender who said "not yet" — send them my way. I'd love to see if this program can get them into a home sooner than they think.
Comment or DM me and let's talk about your next deal.

08/13/2026

FHA Purchase and Refinance solar program