Legal
Terms of Use
The rules for using this website, and what the information here does and doesn't commit anyone to.
Last updated: July 2026
This website is operated by Erika Sanchez, a mortgage loan originator (NMLS #1660705) with Barrett Financial Group, L.L.C. (NMLS #181106). By using this site you agree to these terms. If you don't agree with them, please don't use the site.
Not a commitment to lend
Nothing on this website is an offer or commitment to lend, or a guarantee that you will be approved for any loan, rate, or program. All loans are subject to underwriting review, credit approval, property appraisal, and program eligibility. Terms, rates, and program availability may change without notice.
Rates and pricing
Mortgage rates change daily and often more than once a day. Any rate referenced on this site is illustrative only and is not a quote. Your actual rate depends on your credit profile, down payment, loan amount, loan type, occupancy, property type, points, and market conditions at the time of lock. A rate is only binding once locked in writing under a signed lock agreement.
Calculators and estimates
The payment calculator and any other estimating tools on this site are provided for general planning purposes. They use the figures you enter and simplifying assumptions, and they are not quotes, loan approvals, or predictions of your actual payment. Real property taxes, insurance premiums, HOA dues, and mortgage insurance vary by property and by borrower. Verify any figure that matters to your decision with a written Loan Estimate.
Loan program information
Program descriptions, credit minimums, down payment requirements, and eligibility guidelines shown here are typical rather than universal. They vary by lender and change over time. Your eligibility is determined during application and underwriting, not by this website.
Third-party links and referrals
This site links to third-party websites, including government and county resources. Those sites aren't controlled by us, and we're not responsible for their content, accuracy, or privacy practices.
Where a professional is recommended or introduced — a real estate agent, inspector, title officer, insurance agent, or contractor — that introduction is provided as a convenience. No compensation is paid or received in exchange for referrals of settlement-service business, consistent with Section 8 of the Real Estate Settlement Procedures Act. Recommended professionals are independent third parties, and we're not responsible for their work, advice, or conduct. Evaluate anyone you engage on your own behalf.
Property listings
Any property information appearing on this site is provided for informational purposes, is believed reliable but not guaranteed, and is subject to prior sale, change, or withdrawal without notice.
Not legal, tax, or financial advice
Content on this site is general information about mortgage financing. It isn't legal, tax, accounting, or investment advice, and it isn't tailored to your circumstances. Consult qualified professionals about your specific situation.
Your responsibilities
- Provide accurate information when you submit a form
- Don't submit anyone else's personal information without their permission
- Don't use this site unlawfully, or attempt to disrupt, probe, or gain unauthorised access to it
- Don't copy or republish content from this site without written permission
Electronic communication
Submitting a form and consenting to contact means you agree to receive communication by phone, text, and email. Message and data rates may apply, and consent is not a condition of obtaining any loan or service. Please don't send Social Security numbers, account numbers, or identification documents by ordinary email — a secure method will be provided when those are needed.
Intellectual property
The design, text, and graphics on this site are the property of their respective owners and are protected by copyright and trademark law. Barrett Financial Group's name and logo are used with permission and remain its property.
Disclaimer of warranties
This site is provided "as is" and "as available" without warranties of any kind, whether express or implied. We don't warrant that the site will be uninterrupted, error-free, or that the information on it is complete or current.
Limitation of liability
To the fullest extent permitted by law, Erika Sanchez and Barrett Financial Group, L.L.C. are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on its content.
Fair lending
Equal Housing Opportunity. Equal Housing Lender. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act, and we do not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, marital status, age, or because income derives from a public assistance program.
Governing law
These terms are governed by the laws of the State of Arizona, without regard to its conflict-of-laws rules.
Changes to these terms
These terms may be updated at any time. Continued use of the site after a change means you accept the revised terms.
Contact
Erika Sanchez · Barrett Financial Group
6751 N Sunset Blvd, Suite 430, Glendale, AZ 85305
Phone: (602) 561-6550
Email: erikas@barrettfinancial.com
Barrett Financial Group, L.L.C. · NMLS #181106 · 2701 East Insight Way, Suite 150, Chandler, AZ 85286 · AZ 0904774 · CA 60DBO-46052 & 41DBO-148702. Licensing can be verified at nmlsconsumeraccess.org.