Jonathan Butler

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Jonathan Butler I believe every client deserves a trusted guide who listens carefully, communicates clearly, and makes the mortgage process feel approachable and stress-free.

Buying a home involves more than saving for the down payment. You may also need funds for closing costs, prepaid expense...
10/09/2026

Buying a home involves more than saving for the down payment. You may also need funds for closing costs, prepaid expenses, inspections, moving, initial repairs, and other homeownership expenses. Keeping some savings available after closing can be just as important as getting to the closing table. 💰🏠 n

Jonathan Butler | NMLS #2692546 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | 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 | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org n

Before funding a hard money loan, lenders typically evaluate more than just the property. Here are 5 important factors: ...
10/07/2026

Before funding a hard money loan, lenders typically evaluate more than just the property. Here are 5 important factors: n n1. Property Value 📊 nThe current and, when applicable, projected value of the property. n n2. Loan-to-Value (LTV) 💰 nHow the requested loan compares with the property's value. n n3. Purchase Price & Project Costs 🧮 nThe acquisition price, renovation budget, and other expected costs. n n4. Borrower Experience & Financial Profile 📋 nRelevant investment experience and financial information may be considered. n n5. Exit Strategy 🏁 nHow the loan is expected to be repaid, such as through a sale or refinance. n nA well-prepared deal gives the lender a clearer picture of the investment and its financing needs. n

Jonathan Butler | NMLS #2692546 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | 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 | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org n

Every commercial investor has a different North Star. Some prioritize steady monthly cash flow to fuel other projects, w...
10/05/2026

Every commercial investor has a different North Star. Some prioritize steady monthly cash flow to fuel other projects, while others focus on property appreciation for long-term equity growth. n nWhich one are you currently optimizing for? Drop a comment below—let's talk strategy. n

Jonathan Butler | NMLS #2692546 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | 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 | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org n

Big financial moves right before applying for a mortgage can create unnecessary complications. Taking on new debt, makin...
10/02/2026

Big financial moves right before applying for a mortgage can create unnecessary complications. Taking on new debt, making large purchases, changing jobs, or moving money without clear documentation can affect how your finances are reviewed. Planning ahead can make the application process much smoother. 🏠📋 n

Jonathan Butler | NMLS #2692546 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | 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 | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org n

Every commercial investor has a different North Star. Some are focused on the long-term yield of a single, stable asset,...
09/30/2026

Every commercial investor has a different North Star. Some are focused on the long-term yield of a single, stable asset, while others are aggressively expanding their portfolio to leverage scale.

I’m curious—when you evaluate a new property, does the immediate cash flow take priority, or is it the potential for appreciation five years down the road? Let me know your primary goal in the comments.

Jonathan Butler | NMLS #2692546 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | 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 | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org

Before the appraiser arrives, ensure the property is fully accessible and all safety hazards are clearly marked. Apprai...
09/28/2026

Before the appraiser arrives, ensure the property is fully accessible and all safety hazards are clearly marked.

Appraisers appreciate clear paths to all areas of the property, including crawl spaces and roof access. Providing a clean, organized site allows them to complete their inspection efficiently without delays or questions regarding maintenance.

Jonathan Butler | NMLS #2692546 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | 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 | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org

It isn't necessarily about having perfect finances. A strong application generally gives a lender a clear picture of: ...
09/25/2026

It isn't necessarily about having perfect finances.

A strong application generally gives a lender a clear picture of:

✔ Income
✔ Employment
✔ Credit history
✔ Existing debts
✔ Assets and available funds
✔ Ability to make the required payments

The goal isn't to make your finances look perfect.

It's to make sure your financial picture is accurate, documented, and understandable.

Jonathan Butler | NMLS #2692546 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | 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 | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org

09/24/2026

Mortgages don’t have to be complicated. 🙌
✅ Get pre-approved online
✅ Get a fast decision
✅ Skip the confusing terms
Homeownership is closer than you think—let’s simplify the process together!


Jonathan Butler | NMLS #2692546 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | 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 | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org

Myth: You need a flawless personal credit score to qualify for any commercial mortgage. Fact: While personal credit his...
09/23/2026

Myth: You need a flawless personal credit score to qualify for any commercial mortgage.

Fact: While personal credit history is reviewed, commercial lending is primarily 'asset-based.' Lenders focus more heavily on the property’s cash flow, the debt service coverage ratio (DSCR), and the overall strength of the collateral rather than relying solely on your personal score.

Jonathan Butler | NMLS #2692546 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | 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 | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org

09/22/2026

📢 Cut Years Off a Mortgage with This Simple Strategy! 📢

Most mortgages are set up for 30 years, but paying extra can drastically shorten that timeline:
✔ 1 extra payment per year = 7 years off
✔ 2 extra payments per year = 14 years off
✔ 3 extra payments per year = 21 years off

To make it work, ensure extra payments go toward the principal balance—not future interest. Small adjustments can lead to big financial wins!



Jonathan Butler | NMLS #2692546 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | 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 | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org

Address

41880 Kalmia Street #120
Murrieta, CA
92562

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm

Telephone

+19515411488

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