The Schmidt Team - Making Mortgages Easy

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The Schmidt Team - Making Mortgages Easy Looking to purchase or refinance a home? Call Tracie Schmidt NMLS #269424 with the Schmidt Team powered by Barrett Financial Group.

The Schmidt Team - Making Mortgages & Real Estate Easy

Tracie Schmidt, Mortgage Loan Officer - NMLS #269424
Barrett Financial Group NMLS #181106

Tracie Schmidt, Realtor - DRE #02111058
Keller Williams La Jolla #01932411 for your home purchase or home refinance pre-qualification. If you are a first time home buyer in San Diego County use The Schmidt Team powered by Barrett Financial for your first time home buyer needs. The Schmidt Team powered by Barrett Financial Group provides quick and efficient loan closings. We have been in San Diego for over 25 years and has helped many families get into a home in the San Diego area with great mortgage loan programs. For First time home buyer mortgage information in San Diego County and throughout California contact The Schmidt Team powered by Barrett Financial Group
for your home loan and mortgage needs. Contact Tracie Schmidt at 858-336-5200 to get pre qualified for your home purchase today. Work with a mortgage team that has great mortgage loan programs for FIRST TIME HOME BUYERS. VA financing is a great home buyer program if you have the VA benefit. VA financing allows zero down payment if you qualify FHA financing is also a great FIRST TIME HOME BUYER option with low down payment options. Tracie Schmidt | NMLS #269424 | Barrett Financial Group, L.L.C. | NMLS #181106 | 3111 Camino Del Rio North Suite 905 San Diego CA 92108 | 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. | FL MLD1880 | WA MB-181106 | 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

🏡 Buying, Selling, or Just Curious About Real Estate?I've got great tools and resources for you! 🔑Whether you're thinkin...
10/08/2026

🏡 Buying, Selling, or Just Curious About Real Estate?

I've got great tools and resources for you! 🔑

Whether you're thinking about buying your first home, exploring refinancing options, or just wondering what you can afford, I want to make it easier for you to find answers.

📲 Check out my digital resource hub for helpful calculators, home financing information, and more!

No pressure. No obligation. Just valuable resources at your fingertips.

💡 Save this link! You never know when you or someone you know might need it.

👉 https://viewinfo.me/t/t?u=tracie

Making Mortgages Easy. 🏡

10/07/2026

Don't fall in love with a dream kitchen until you fall in love with the monthly payment. 🏠

Many home buyers tour homes without knowing what their total monthly cost will actually be. Property taxes, insurance, and HOA fees can completely change your budget.

You deserve to feel confident in your payment long after you close on your new home. Let's run the numbers together before you start house hunting. Send me a message today to build your clear home buying strategy. 📲
https://myoc.io/roarloudvideo

Join us this Wednesday 10/7 in Mission Valley
10/06/2026

Join us this Wednesday 10/7 in Mission Valley

10/05/2026

Home Sellers and Listing Agents...Watch this one, it could be game changing!

Thinking about reducing the price on your listing? 🏡 Before you do… call your lender.

A price reduction might help, but sometimes using those same dollars toward a seller-paid interest rate buydown can create a much bigger impact on the buyer’s monthly payment.

And that could make the home more attractive to MORE buyers without automatically giving up that money in the sales price.

Every scenario is different, so let’s run the numbers first.

Realtors and sellers — before your next price reduction, send me the listing and let me show you what a buydown could look like. Then you can decide which strategy makes the most sense.

10/02/2026

You don’t have to be ready to buy a home before you talk to a lender. 🏡

In fact, I’d much rather talk to you 6 months BEFORE you’re ready than 6 days before you want to write an offer.

Sometimes a few small changes can make a big difference — and sometimes you find out you’re already closer to buying than you thought. ❤️

No pressure. No obligation. Let's just have a conversation and build a plan.

Thinking about buying sometime in the next year? Message me and let’s figure out where you stand.

Tracie Schmidt | The Schmidt Team
Powered by Barrett Financial Group
NMLS #269424

09/30/2026

A lower rate looks great… until the loan can’t close. 🏡

This buyer originally chose another lender, but when issues with the condo and HOA documentation came up, the financing fell apart.

That’s when I got the call.

We reviewed the borrower AND the property upfront, structured the deal as a non-warrantable investment DSCR loan, and went from application to FUNDED in just 14 days. 🙌

The right loan isn’t just about the rate. It’s about knowing how to get the deal to the finish line.

Have a complicated condo, investment property, or a loan that another lender couldn’t get done? Message me. There may be another option.

October in 92109 is looking GOOD! 🌴☀️🎃From Pacific BeachFest and the PB Half Marathon to fall fun at Belmont Park, Hallo...
09/30/2026

October in 92109 is looking GOOD! 🌴☀️🎃

From Pacific BeachFest and the PB Half Marathon to fall fun at Belmont Park, Halloween festivities and our weekly Farmers’ Market, there’s plenty happening right here in Pacific Beach & Mission Beach this month.

Save this post so you don’t miss anything — and send it to someone who loves living, playing or visiting 92109! ❤️

📍 Pacific Beach + Mission Beach
📅 October 2026

#92109

09/29/2026

🏡 Come tour 104 Lewis Street with me!

This Mission Hills home is such a unique find — 3 bedrooms, 3 bathrooms, approximately 1,878 sq. ft., and located in an intimate 7-unit community.

I love the updated kitchen, spacious layout, private outdoor space and, of course, the location. You’re close to Hillcrest, Balboa Park, Downtown, Scripps Mercy and UC San Diego Health.

And if you’re wondering what financing options might work for you, I can help with that too. 😊

📲 Want to see it in person? Message me to schedule a private tour or for more information about the home and available financing options.
https://myoc.io/roarloudvideo

What if your commute to work was just a few minutes? 🏡🩺104 Lewis Street in Mission Hills is a rare opportunity in an int...
09/28/2026

What if your commute to work was just a few minutes? 🏡🩺

104 Lewis Street in Mission Hills is a rare opportunity in an intimate 7-unit community, located close to Scripps Mercy Hospital and the UC San Diego Health Hillcrest medical campus.

This home offers:

✨ 3 bedrooms + 3 bathrooms
✨ Approx. 1,878 sq. ft.
✨ Beautiful updated kitchen
✨ Spacious, modern floor plan
✨ Private outdoor space
✨ Prime Mission Hills location
✨ Easy access to Balboa Park, Downtown and the airport

And for qualifying medical professionals, there may be specialized Doctor Loan financing options available with features such as low down payment options and no mortgage insurance.

📲 Message me to schedule a private tour of 104 Lewis Street.

Own 1 of 7 units in Mission Hills ! 🏡 JUST LISTED | 104 Lewis Street, San DiegoA rare find in Mission Hills! This spacio...
09/27/2026

Own 1 of 7 units in Mission Hills ! 🏡 JUST LISTED | 104 Lewis Street, San Diego

A rare find in Mission Hills! This spacious 3-bedroom, 3-bath home with approximately 1,878 sq. ft. is located in an intimate 7-unit complex — offering a combination of space, location, and privacy that doesn’t come along often.

✨ Bright, modern kitchen
✨ Spacious and open floor plan
✨ 3 bedrooms + 3 bathrooms
✨ Approximately 1,878 sq. ft.
✨ Private outdoor space
✨ Incredible Mission Hills location

You’re close to Balboa Park, Hillcrest, Downtown, dining, shopping, major hospitals and the airport, while still enjoying the charm of one of San Diego’s most desirable neighborhoods.

And if you're wondering about financing, I can help with that too — including Conventional, VA, Doctor Loan, Non-QM and first-time buyer options.

📲 Message me for a private tour of 104 Lewis Street!

Address

3111 Camino Del Rio N. Ste 905
San Diego, CA
92108

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 9am - 2pm

Telephone

+18583365200

Website

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