Financing
More than one way to finance the next move.
John works across conventional, government backed, jumbo, Non QM, equity, refinance, and other financing paths. Start with what you are trying to accomplish, then compare the structures that actually fit.
John Bramley
Loan Originator · USMC Veteran
NMLS 192835
Licensed in SC, GA, and NJ
Across John's licensed markets
Financing decisions still live in the real world.
Different homes create different questions. Purchase, refinance, equity, and jumbo conversations all land a little differently when the property, the borrower, and the next move are not generic.
That is why John starts with the actual property and the actual goal instead of forcing every scenario through the same canned path.
Financing options
Start with what you are trying to do.
Choose the financing need closest to yours. Each page covers where it may fit, what John will review, and the questions worth asking before you apply.
Home Purchase
Purchase financing for primary homes, second homes, and eligible investment properties, with the loan structure matched to the borrower and property.
View detailsJumbo Loans
Financing for higher value properties when the loan amount exceeds the applicable conforming limit.
View detailsNon QM Loans
Flexible financing for borrowers whose income, assets, or investment profile may not fit a standard qualified mortgage framework.
View detailsRefinance
A fresh look at rate, term, equity, payment, and cash flow before replacing an existing mortgage.
View detailsHome Equity Options
Compare ways to access equity for renovations, debt strategy, major expenses, or investment without assuming a full refinance is the only route.
View detailsHELOC
A revolving line of credit secured by home equity that can provide flexible access to funds while leaving the first mortgage in place.
View detailsCommercial Financing
Financing paths for eligible business and investment real estate, with terms driven by the property, cash flow, borrower, and lender.
View detailsNot sure which category you belong in?
You do not need to diagnose your own mortgage. Tell John what you are buying, refinancing, or trying to accomplish and he can help narrow the path.
Program availability, eligibility, rates, costs, and guidelines vary by borrower, property, state, lender, and market conditions. This site is for general educational purposes and is not a commitment to lend. John Bramley · NMLS 192835 · Barrett Financial Group, L.L.C. · NMLS 181106.