Jenny Tran

12/29/2025

🚨 Important truth about FHA VOE & Non-QM loans

Lately I see a lot of ads saying
“NO TAX RETURNS!”
“FHA VOE!”
“NO INCOME REQUIRED!”

I need to be honest with you — those loans are NOT meant for people with no income and no savings.

FHA VOE and Non-QM are designed for self-employed and commission-based borrowers who:
✔ Actually earn money
✔ Just don’t show it well on taxes
✔ Can save for down payment and reserves

Owning a home isn’t just about getting approved.
It’s about being able to keep your home.

If someone has $0 savings and barely makes it every month, pushing them into a mortgage is not helping — it’s setting them up for stress, late payments, and even foreclosure.

I don’t believe in selling dreams that turn into nightmares.
I believe in getting you ready, not rushed.

If you’re self-employed or paid in cash and want to know what you truly qualify for — message me.
I’ll be honest with you, even when others won’t.
NMLS 1864304

12/19/2025

I want to share a real story from my work.

Recently, someone reached out to me because they wanted to buy their primary residence.
They had already spoken with multiple lenders and were told the same thing over and over:

“You don’t make enough income.
Even Non-QM won’t work.
Your only option is to buy it as an investment property.”

That advice was wrong — and dangerous.

Buying an investment property just to qualify for a loan, then moving in, is mortgage fraud.
Lenders can and do audit after closing, and if they discover misrepresentation, the borrower can be required to pay the loan back immediately.

After I spoke with them, reviewed their documents, and looked at the full picture, I told them:

“Your income is more than enough to buy a primary residence.”

How did I know?

Because I work with self-employed borrowers every day.
I understand:
• How self-employed income really works
• How to analyze documents properly
• And that there are many options, not just one box to fit into

Doing the right thing matters — but not everyone knows how to do it correctly.

⸻

The good news for self-employed & service industry workers

Thanks to the new federal tax law (Big Beautiful Bill),
up to $25,000 of tip income can now be treated more favorably for tax purposes, effective January 2025 through 2028.

Why does this matter?
• More usable income
• Stronger loan qualification
• Better options when buying a home

Many self-employed borrowers write off a lot of expenses, which can make tax returns look weak — sometimes not enough for Conventional or FHA loans.

But:
• Non-QM loans can look at income beyond just tax returns
• And this new $25k tip treatment creates a legal, strategic way to strengthen your financial profile

This is especially important for people in tip-based industries:
• Restaurants & hospitality
• Nail technicians
• Hair stylists
• Lash artists
• Estheticians / spa professionals
• Other service industries

⸻

If you’re self-employed and thinking about buying a home

Tax season is coming — and preparation matters.

If you want to buy a home in 2026 (or beyond), now is the time to understand:
• What lenders actually look at
• What options you really have
• How to plan correctly and legally

📩 Reach out to me directly.
Every situation is different, and this is not something that should be handled with generic advice.

Let’s talk and make sure you’re set up the right way.

12/06/2025

Wow, Trader Joe's opened in Kingwood, Texas. Since I moved here four years ago, they have been in construction on FM 1960, expanding from four lanes to eight lanes and adding a new bridge that goes all the way to Lake Houston. Home prices are still low in this area, with lower property taxes and MUD taxes. New businesses are popping up. I can't wait to see what we'll have in five more years. If you have any questions about mortgage loans or refinancing to a lower rate, especially if you have an interest rate over 6.5-7%, it's time to look into refinancing.

09/08/2025

Tại sao không bao giờ làm refinance ( giảm tiền lời) không bao giờ đi lại 30 năm. Nếu muốn làm giàu cho lender thì mổi vài năm lại refinance một lần trở lại 30 năm là trả tiền lời xuốt đời không trả hết cái nhà. 🏠 🏡 🏠
Thí dụ Nhà bạn mua tháng 7 năm 2023 7% , lúc mua mượn loan 7% bây giờ thấy người ta quảng cáo rate 6.375% . Bạn làm refinance 30 năm fixed 6.375% .

Làm refinance tiền phí sẻ cao hơn lúc mua nhà tại vì lúc mua không có tiền pay off. Lúc refinance bạn nhìn vào mortgage statement thí dụ đang thấy con số $489,943 . Lúc ordered pay off nó sẽ lên thêm gần $3000 tại tiền lời bạn ở tháng đó chưa trả . Nếu Refi gần mùa thuế lender sẽ lấy thêm 1 năm thuế , nhà $650k ở texas không có escrow thuế chắc thêm $10-13k nữa , rồi những số tiền chi phí khác cho nên khi bạn Refinance ,bạn sẻ bắt đầu từ con số nợ mới . Nhiều khi sẽ thêm từ 10-20k hay hơn tùy lúc làm . Ở mỷ này không gì là free hết, luật của người có license làm loan cấm không được nói là No Fee, No cost . Có Fee, có Cost , nhưng nhiều lúc lấy rate cao hơn để có lender credit trả tiền chi phí thôi .

Nếu Refinance qua 25 năm hay 20 năm mà tiền nhà gần bằng hay ít hơn tiền đang trả là có lợi nhất . Nếu xuống 20 năm rate 5.25% apr 5.525% Tiền nhà gần bằng , cắt được 8 năm bạn sẽ save trên 300k tiền lời , tiền bạn đóng sẽ vào túi bạn nhiều hơn .

🔴🔴Nếu ai mua nhà bỏ ít tiền down 3-5% có thể sẽ không Refinance được tại không đủ equity .
🔴🔴 Nếu ai lấy DPA sẽ không refinance được tại không đủ equity và phải trả tiền lại cho DPA nếu refinance trong ( it nhất 5 năm )
🔴🔴🔴nếu ai có Solar hay mới xây hồ bơi có thể không refinance được
🔴🔴🔴Refinance lúc này cũng hơi lo tại giá nhà xuống nhiều khi không đủ equity hay ai có 20% down giờ refinance lại phải trả PMI hay nếu không muốn trả pmi lại phải add thêm phí mua PMI…

Rate cho người có điểm 770, 80% ltv APR 5.52% . NMLS 1864304 TX, CA, FL, AZ Nếu bạn có câu hỏi gì Text trước khi gọi nha(346)540-9787 🍊nó cứ nhắn tin em ơi em à nhiều quá giờ ai nhắn gọi không lý lo là mình im luôn á

06/10/2025

Nếu mua nhà 10 năm trước giờ mình chắc có nhiều tiền hơn rùi 🥲

05/09/2025

Dành cho bạn nào muốn học làm loan officer. Cách submit application cho khách làm sao cho đúng.

HOW TO CREATE A MORTGAGE APPLICATION IN ARIVE | TIPS & TRICKS FOR A CLEAN LOAN FILEAre you a Loan Officer looking to streamline your mortgage process using A...

04/08/2025

If you have a VA or FHA loan and your rate is 6.875% or higher, you could be saving hundreds every month.

🏠 Refinance now and you may: ✅ Lower your monthly payment
✅ Skip up to 1 mortgage payment
✅ Refi with no income docs in some cases
✅ Close fast — no upfront cost

Licensed in Texas, California, Florida, and Arizona — I've helped dozens of homeowners just like you make the switch.

📲 Click below to start — no hard credit pull required.
Barrett Financial Group, LLC NMLS #181106
275 E Rivulon Blvd, STE 200, Gilbert AZ 85297
All Loans are subject to credit approval.

➡️ Apply Now https://181106.my1003app.com/1864304/register?time=1741984070637
– It Only Takes 60 Seconds

Jenny Tran NMLS 1864304

03/06/2025

Do you spend your money wisely? Take this self-test to find out and get suggestions on making improvements.

1-Are you currently unable to save any money?
2-Are you living paycheck-to-paycheck?
3-Have you reached the limit on your credit cards?
4-Are you able to make only the minimum payment on your credit cards?
5-Do you use credit cards to purchase small items that you don’t have the cash to cover?
6-Do you keep a balance on your credit card from month-to-month?
7-Are you frequently buying merchandise only to return it upon discovering you have no need for it?
8-Are you still paying off smaller purchases you made over a year ago? (A car, student loan or home would not be considered a small purchase)
9-Do you have to rush to the bank to deposit your paycheck because you know there won’t be enough money in your account to cover a recent check?
10-Are you consistently “borrowing” from your savings or emergency fund to pay for current obligations?
11-Do you worry about large expenses coming up, or an emergency expense such as a car repair?
12-Are your monthly debts (excluding your rent or mortgage) a small percentage of your monthly take-home pay (1 – 10% of your net income)?
13-Have your creditors denied a request to increase your credit limit?
14-Would a sudden loss of income cause you to immediately miss any of your monthly fixed expenses or current debt payments?
If you answered ‘Yes’ to five or more of these questions it may be time to create new spending patterns. Look closely at your “Yes” answers and think about solutions.

Here are a few ideas to manage your spending better:

Keep a note in your wallet and before you purchase an item ask yourself: “Do I really need this?”
Carry cash. If you don’t have enough to purchase the item, don't buy it!
Always pay more than the minimum amount on credit card payments. Even just a few dollars over the minimum payment will help you pay off the balance faster; plus, it will improve your credit score.
Pay off credit cards every month or at least keep balances as low as possible.
Establish a savings or emergency fund with at least three to six months’ worth of living expenses in case of a large or unexpected expense or a decrease in income.