Tracy Pinto, Barrett Financial, L.L.C

10/23/2025

I LOVE FAST Approvals!! Gotta love having quick Underwriters!

09/29/2025

💳 Why Your Credit Matters When Buying a Home 💳

Your credit score plays a big role in the home-buying process. It can impact:
✅ The loan programs you qualify for
✅ Your interest rate
✅ How much home you can afford

A stronger credit profile = more options + better terms!

✨ Do’s:

Pay bills on time

Keep credit card balances low

Check your credit report for errors

Avoid closing old accounts (it can lower your score)

🚫 Don’ts:

Don’t apply for new credit cards or loans before buying

Don’t max out existing cards

Don’t ignore past-due accounts

Don’t co-sign for others (it counts against you too!)

As a mortgage broker, I can help guide you on what lenders look for and how to put yourself in the best position to qualify. 🏡💙

📲 Thinking about buying a home soon? Message me today—I’d love to help you prepare with confidence!

09/26/2025

✨ The smartest move before stepping into an open house? Getting pre-approved. ✨

Before you start shopping, it’s important to know what you qualify for. Falling in love with a home before you’re pre-approved can lead to frustration and missed opportunities.

As a mortgage broker, I have access to a wide range of lenders and programs—giving families more options than most traditional banks can offer. My job is to make sure you’re confident, prepared, and ready when the right home comes along. 🏡

If you’re planning to look at homes, let’s connect first so you can shop with clarity and peace of mind.

📲 Message me today to get started.

08/10/2025

I’m normally available 7 days a week, however, this Sunday, August 10 I will be unavailable. I will be up in the High Sierra’s celebrating mine and my son’s birthday fishing. Please feel free to leave a message and I will respond first thing Monday.

08/09/2025

Looking at houses this weekend and need a pre-approval? I’m your gal. I don’t keep banker’s hours. I keep my clients hours!

08/09/2025

08/08/2025

🚨 Mortgage Rates Have Dropped… But Only for a Limited Time! 🚨

If you purchased or refinanced your home within the last 3 years, you could be eligible to lower your rate more than you might expect.

This is your chance to:
✅ Lower your monthly payment
✅ Pay off your home faster
✅ Save thousands over the life of your loan

But here’s the catch—these special pricing opportunities are limited and not available to everyone. Want to know if you qualify?

✅ How Much Can You Save?
Let’s find out together! I can run a quick, personalized quote for you—no pressure, no commitment. The process is simple and could save you big.

🔑 Don’t wait—message me today or call/text 209-485-4932 to get started!

07/09/2025

The door to homeownership is always open! We offer competitive rates, fast closings, and a wide variety of mortgage options. As an experienced professional, I'm more than ready to guide you—no matter where you are in your journey. DM me today!

06/24/2025

Why pay more when you can access exclusive wholesale rates on your next loan? 💰✨ Let me help you save thousands over the life of your loan! Send me a DM or give me a call to unlock your savings today. 🚀

06/23/2025

Dreaming of a new home? 🏡✨ The first step is getting pre-approved! Find out what you can afford before you start your search. Call me today and let’s turn those dreams into an address! 📞🔑

02/27/2025

ALERT!! If you have any STUDENT LOANS, make sure to setup your monthly payments ASAP!! The Covid-era deferments have ended. You don't want to accidentally destroy your Credit Scores with new Late Payments reporting on each of your Student Loan accounts. Your scores can potentially drop anywhere from 50-150 points overnight. Make your payments ASAP.

02/19/2025

Welcome to your dream retreat, where panoramic views greet you from every room! Nestled in the gated Forest Meadows community, this meticulously maintained, ...