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Fischer Mortgage Lending

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United States
Ridgecrest, CA
Fischer Mortgage Lending

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NMLS # 1937673
Licensed in CA
Licensed by The Department of Financial Protection and Innovation
(1)

As your trusted Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey. Alexander Christopher Fischer | NMLS #1937673 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | 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 | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

09/17/2026

🏠 Your home equity isn’t just a number, it’s a financial tool.

A HELOC can give you access to the equity you’ve built and put it to work, whether that’s paying off credit cards with 20%+ rates, improving your home, or covering a major expense.

You’ve built the equity. Now make it work for you.

📲 apply online to see what options you have. https://flow.avenfoundry.com?i=20e61c55-45a5-40b5-bf3b-f0d6da524f6b

09/01/2026

How much income do you actually need to buy a home in Ridgecrest? 🏡

I broke down real local homes from $200K–$545K to show estimated payments, down payments, and income needed to qualify.

👉 Swipe to see what your income could potentially buy.

You may be closer to homeownership than you think.

Want to know your buying power? Send me a message and I’ll run the numbers.

Estimates only. Qualification varies by borrower.

09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/28/2026

A lot of Lenders advertise ultra low interest rates, but it might be a little unclear on how much that ultra low rate is really costing you. No doubt about it, I am all for a low cost mortgage… reason being, not everyone keeps their mortgage forever. People buy, refinance, sell, move up, move across the country. Let’s make mortgage make sense 🏡

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/21/2026

Local Realtor Local Lender Local Escrow Local Title Local Appraiser Local Inspector Local Knowledge

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/18/2026

Some dreams change. Mine just got better. Helping families find home every day. 🏡

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/10/2026

Supporting local goes a long way 🫶🏻 feeling extra thankful for all my local support. It’s truly amazing seeing so many lives impacted in a positive way.

05/06/2026

Buying or refinancing a home doesn’t have to be stressful—and it definitely shouldn’t cost you more than it needs to.

As a mortgage broker, I focus on what matters most to my clients:
✔ Fast, efficient closings
✔ Competitive rates and lower overall costs
✔ Access to a wide range of loan options (not just one bank’s products)
✔ Real relationships built on trust, communication, and long-term support

You’re not just another file on a desk to me. I take the time to understand your goals and match you with the right solution—whether you're a first-time buyer, upgrading, or refinancing.

If you’re thinking about making a move or just want to explore your options, let’s connect. I’m here to make the process simple, clear, and tailored to you.

Message me anytime or drop a comment below 👇

05/01/2026

Thinking about installing solar or buying a home with panels? Here’s something most people don’t realize:

Solar only adds value to a home if it’s owned free and clear.

If the system is leased or financed, it typically does NOT increase the appraised value of the home. Why? Because the system isn’t actually owned…it’s tied to a contract or loan that may transfer to the buyer, and appraisers don’t count that as real property value.

Here’s the breakdown:
• ✅ Owned solar (paid off): Can increase home value
• ❌ Leased solar: No added value (it’s essentially a long-term utility agreement)
• ❌ Financed solar (loan still active): No added value until it’s paid off

In some cases, leased or financed systems can even complicate a sale if buyers don’t want to assume the agreement. We have seen $50k-$70k finance contracts for solar on homes that an appraiser might only be able to adjust the value after it’s paid off by $15k… plus a seller may not hold enough equity to pay off the system at closing and put them in a negative equity position.

Solar can still be a great investment for lowering energy costs…but when it comes to appraisal value, ownership status matters more than the panels themselves.

If you’re buying or selling, make sure you understand what type of system you’re dealing with, it can make a big difference.

04/28/2026

Buying or selling a home is one of the biggest decisions you’ll ever make and having the right guide matters.

Working with a local realtor isn’t just convenient, it’s strategic. A local expert understands neighborhood trends, pricing nuances, school districts, and those hidden gems you won’t find in a quick online search. They know what homes are really worth, how to position your offer (or listing), and how to navigate the unique dynamics of your community.

And let’s not overlook something simple but powerful…you’ll actually meet your realtor in person. That face-to-face connection builds trust, improves communication, and ensures you have someone by your side for showings, negotiations, and every step in between.

Beyond market knowledge, local realtors bring trusted relationships with inspectors, LENDERS, and contractors helping everything move more smoothly and cost efficiently.

In a market where timing, insight, and connections can make all the difference, going local isn’t just a choice, it’s an advantage.

Plain and simple I might not be a Realtor, but I know the value of working with someone local 😊

03/19/2026

🎉🎉🎊🎊Come check out our booth, 2026 Washington county Board of realtors Afiliesta 🎉🎉🎊🎊

Address

995 N Norma Street, Suite D
Ridgecrest, CA
93555

Telephone

+17607937164

Website

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