Matthew Barkett

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Matthew Barkett

I am a mortgage loan originator in Florida. NMLS ID 1334061
Reel Mortgage Solutions 1805375

02/11/2026

🏢 Have a commercial client looking for $1 million or more in financing?

For Realtors working with business owners purchasing their next location—or reviewing financing on a property they already occupy—here’s an option worth discussing:

5-YEAR FIXED COMMERCIAL LOAN

✅ Interest rate: 6.25%
✅ Loan amounts $1 million and up
✅ Commercial owner-occupied
✅ 5-year fixed-rate period
✅ 25-year amortization

Have a listing or client scenario in mind? Let’s discuss the financing before the next step.

Matt Barkett | Senior Loan Originator
NMLS #1334061
Reel Mortgage Solutions | NMLS #1805375

Subject to credit approval. Terms and conditions apply. Rates and program availability are subject to change.

30/10/2026

🏢 REALTORS: Have a business-owner client who’s ready to explore owning their space?

Here’s an owner-occupied commercial financing option to keep on your radar:

7-YEAR COMMERCIAL LOAN

✅ Advertised APR: 5.99%
✅ Loan amounts under $1 million
✅ Commercial owner-occupied
✅ 30-year amortization
✅ First 12 months interest-only
✅ No closing costs on loans under $500,000

Whether your client is considering a purchase or exploring refinancing, let’s review the scenario.

Matt Barkett | Senior Loan Originator
NMLS #1334061
Reel Mortgage Solutions | NMLS #1805375

11/09/2026

🏡 What does it really cost to buy a $1,695,000 home?
Here’s the estimated breakdown with 20% down:
💰 Down payment: $339,000 🏦 Loan amount: $1,356,000 📈 Rate: 6.125% | APR: 6.547% 💳 Principal & interest: $8,239/month 🏠 Property taxes: $983/month 🛡️ Homeowners insurance: $833/month
🔥 Estimated total payment: $10,055/month
Property taxes will likely increase following year

I’ll show you approximately how much you would need to earn to qualify.
Save this breakdown, share it with someone shopping for a luxury home, and follow for real mortgage numbers without the guesswork.

10/09/2026

🏠 Could you qualify for this $475,000 Miami home—and how much would you actually need to make?
📍 6060 NW 7th Street, Miami, Florida
Here’s the estimated breakdown:
💰 Purchase price: $475,000 🔑 Down payment: 5% — $23,750 🏦 Estimated loan amount: $451,250 and APR of 7.267🏡 Total housing payment: $3,946/month 🚗 Car payment: $700/month 💳 Three credit-card minimums: $300/month 📊 Total monthly obligations: $4,946
Using a 49% conventional back-end debt-to-income ratio, the estimated qualifying income would be:
✅ $10,094 gross per month ✅ Approximately $121,125 per year
This could also be the combined income of two borrowers—not necessarily one person. Would need to include the additional borrowers debt as well.
Did you think the required income would be higher or lower? Tell me in the comments! 👇
Comment with a property price, and I may use it for my next breakdown. Save this video and send it to someone planning to buy in Miami.
Figures are estimates. Rates, credit, income, assets, insurance, taxes and loan qualifications can affect the final numbers.

09/09/2026

🏠 Homeowners: you may be paying more every month than you need to!
If you purchased your home with a conventional loan and now have at least 20% equity, you may be eligible to remove your private mortgage insurance—without refinancing or giving up your current interest rate.
Your equity may have grown from paying down the loan, rising home values, or both. Contact your mortgage servicer and ask what they require. You may need an appraisal or property valuation.
Removing PMI could potentially save you hundreds of dollars every month. 💰
Comment below and I’ll help you see if you may qualify!
Eligibility and servicer requirements vary.

28/08/2026

🏡 A $2.8 MILLION home—but what does it actually cost every month?
📍 11390 SW 30th Street, Miami, FL 33165
This Miami property has nearly 3,600 square feet, a private pool, water views, and a three-car garage.
Here’s the estimated breakdown:
💰 Purchase price: $2,800,000 💵 Down payment: $560,000 (20%) 🏦 Loan amount: $2,240,000 📉 Rate: 6.375% | APR: 6.564% 🏠 Principal and interest: $13,975/month 📍 Property taxes: $1,358/month 🛡️ Homeowners insurance: $1,166/month
🔥 Estimated total: $16,498 per month
And that’s before utilities, maintenance, closing costs, and any other applicable property expenses.
Be honest: Is this payment higher or lower than you expected? 👇
If you want to see how much income someone may need to qualify comment below.

Figures are estimates and subject to change. This is not a commitment to lend. Qualification depends on the borrower, property, and loan program.

27/08/2026

She could afford the mortgage payment—but the down payment and closing costs were keeping her from buying. 🏡
Through Florida’s Hometown Heroes Program, this healthcare worker received assistance toward her upfront costs and purchased her home with less than $3,000 out of pocket! 🔑
If you work in Florida and saving for the upfront costs is stopping you, you may have options.
Comment “HERO” and I’ll help you see if you may qualify—or tag someone who needs to know about this program. 👇
Program availability, funding, eligibility, and terms may change. All loans are subject to qualification and approval.

23/08/2026

Weekend in Boston.

21/08/2026

Welcome back to Luxury: What’s the Payment?
Today, we’re at 68 SE 6th Street, Unit 3911, in Miami, listed for $3.1 million.
With $700,000 down, your estimated loan amount would be $2.4 million.
At a 6.625% interest rate with a 6.826% APR, your estimated principal and interest payment would be $15,879.71 per month.
Now let’s add the other monthly expenses:
Property taxes: $3,654.83 Homeowners insurance: approximately $416.67 HOA dues: $4,112
That brings your estimated total monthly payment to $24,063.21.
So, the question is: would you pay approximately $24,000 per month to live here?
Let me know in the comments—and follow me for the next episode of Luxury: What’s the Payment?
Payment is an estimate. Rates, APR, taxes, insurance, HOA fees, and qualification are subject to change.

18/08/2026

💰 HOW MUCH DO YOU NEED TO MAKE TO BUY THIS $740K MIAMI HOME?

Yesterday we broke down the payment: ~$6,003/month with 5% down.

So how much income would you need to qualify? 👀

Using a 49% total debt-to-income ratio as an example:

🏠 Estimated Housing Payment: $6,003/mo
💳 Other Monthly Debt: $0
📊 Example DTI: 49%
💰 Income Needed: ~$12,251/mo
💵 Annual Income: ~$147,000/year

So someone making just over $12K/month could potentially qualify for this payment if they had little to no other monthly debt, subject to the full loan guidelines and approval.

But here’s where it gets interesting…

🚗 $800 car payment?
💳 $300 credit card payment?
🎓 $500 student loan payment?

Now the income needed changes.

Want me to do the next video with $1,500/month in debt? Comment “DEBT” below 👇

Or DM me your income + monthly debts + down payment and I’ll show you what the numbers could look like.

Example for educational purposes only. Qualification depends on credit, income, assets, liabilities, property, loan program and underwriting requirements.

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https://1805375.my1003app.com/1334061/register

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