James Freeley - Certified Mortgage Planner and Realtor

James Freeley - Certified Mortgage Planner and Realtor All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

James Brendan Freeley | NMLS #41025 | Freeley Mortgage powered by Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | CT ML-181106 | MA MC181106 & MC181106 | ME 181106 | NH 24338-MBR | VT LL-181106 & MB-181106 | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend.

If a mortgage payment feels harder to manage after a job change or higher household expenses, start by listing what you ...
09/09/2026

If a mortgage payment feels harder to manage after a job change or higher household expenses, start by listing what you want the new loan to fix: term length, loan type, or monthly cash flow. Then gather the latest mortgage statement, pay stubs, and any 1099s or W-2s so the review starts with complete information. Walk through the steps. https://bit.ly/4vLChWm

A veteran using a VA loan should ask one practical question early: does the property need repairs that could affect appr...
09/08/2026

A veteran using a VA loan should ask one practical question early: does the property need repairs that could affect appraisal? If so, a fixer-upper may need a different plan, because some issues are easier to solve before contract than after underwriting. A clear repair list can save time and help the file move more smoothly.

A common mistake is treating the first mortgage conversation like a final answer. A buyer with W-2 income, student loans...
09/07/2026

A common mistake is treating the first mortgage conversation like a final answer. A buyer with W-2 income, student loans, and a recent job change can often get a clearer path by gathering pay stubs, tax returns, and bank statements before shopping, then asking which loan type fits the file. That turns guesswork into a plan.

A common VA misunderstanding is that the home search is the hard part. The real friction usually shows up later, when a ...
09/06/2026

A common VA misunderstanding is that the home search is the hard part. The real friction usually shows up later, when a buyer has to explain recent credit changes, gather W-2s or 1099s, and document any gift funds before underwriting asks for them. A simple way to stay ahead is to keep those items organized before you make an offer.

A borrower with credit cards, a car note, and a few 1099 balances can use a refinance checklist to see whether the payme...
09/05/2026

A borrower with credit cards, a car note, and a few 1099 balances can use a refinance checklist to see whether the payment mix is actually the problem. Start by listing every debt, then note which balances have variable terms, late fees, or missed-payment risk. That gives a lender a clearer picture of what a single new structure needs to replace. Walk through the steps. https://bit.ly/4vLChWm

For VA buyers, a quick pre-offer check can prevent a surprise after the appraisal. Ask for the age of the furnace, roof,...
09/04/2026

For VA buyers, a quick pre-offer check can prevent a surprise after the appraisal. Ask for the age of the furnace, roof, and water heater, then note any repairs already completed; that makes it easier to separate normal wear from a bigger condition issue before it turns into a delay.

🎉 Please Join Us in Welcoming Chris Dunlea, CMA, to the Freeley Mortgage Group at Barrett Financial! Chris brings 30+ ye...
09/03/2026

🎉 Please Join Us in Welcoming Chris Dunlea, CMA, to the Freeley Mortgage Group at Barrett Financial!

Chris brings 30+ years of experience in the mortgage and real estate industries, having started his career in 1996. His unique dual expertise gives him a valuable perspective on both the financing and real estate sides of the homeownership journey.

Chris has also earned the Certified Mortgage Advisor (CMA) designation, reflecting his commitment to providing clients with knowledgeable, comprehensive guidance. As a CMA, Chris takes a complete “loan-to-close” approach, helping buyers understand their financing options and make informed decisions every step of the way.

Whether you’re purchasing a home, buying a second property, investing, or refinancing, Chris is dedicated to helping clients navigate the process with confidence and clarity.

Please help us give Chris Dunlea, CMA, a warm welcome to the Freeley Mortgage Group! 🎉

We’re thrilled to have his experience, expertise, and client-focused approach on the team!

A veteran with steady income but limited cash for closing should start by checking the Certificate of Eligibility, then ...
09/03/2026

A veteran with steady income but limited cash for closing should start by checking the Certificate of Eligibility, then gather recent pay history and any 1099s or W-2s. The VA review also looks at the full file, so a clean paper trail matters as much as the benefit itself. Walk through the steps. https://bit.ly/4gQKUeq

How do you know your budget is realistic before you start making offers? Start with the documents that tell the story: r...
09/02/2026

How do you know your budget is realistic before you start making offers? Start with the documents that tell the story: recent pay stubs, W-2s or 1099s, and a list of recurring debts. If the income is irregular, that detail can affect how a lender views the file, so it is better to spot it early than after you find a home you want.

A common mistake is assuming the kitchen style matters more than the financing file. A buyer with solid income but a rec...
09/01/2026

A common mistake is assuming the kitchen style matters more than the financing file. A buyer with solid income but a recent job change may need to explain that gap with pay stubs, a W-2, and a clear employment history before underwriting gets comfortable. The finish choices are personal; the documentation is what keeps the loan moving.

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892 Plain Street Suite 1
Kingston, MA
02050

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