About Me
About Jeremy Boillot
Jeremy Boillot is a Mortgage Loan Officer with Barrett Financial Group, LLC (NMLS #1208591) who helps homebuyers and homeowners with residential mortgage loans. As a Certified Mortgage Advisor and Independent Mortgage Broker, Jeremy shops multiple wholesale lenders to deliver competitive pricing and a smooth, well-communicated process.
Clients appreciate expert guidance, accountability, and friendliness. Loan options include Conventional, FHA, VA, Jumbo, and Non-QM, plus 30-year fixed and Adjustable-Rate Mortgages (ARMs). Jeremy supports both purchase loans and refinances, helping first-time buyers and longtime homeowners understand their options, choose a smart strategy, and close with confidence—without surprises. Clear answers, no pressure. Call/text 480-677-0644.
Why Work With Me
Choosing a mortgage is stressful when you don’t know who to trust. As a Certified Mortgage Advisor (CMA) and mortgage broker, I make the process clear and help you choose the best strategy—not just a rate.
What you get:
More options: I shop multiple wholesale lenders to find the best-fit loan and pricing
Clear guidance: I explain programs in plain English so you feel confident
Fast, proactive communication: consistent updates so there are no surprises
Strong pre-approval + smooth closing: a plan that helps you win the home
Friendly accountability: you’ll always know what’s next and what I need from you
Frequently Asked Questions
Can you shop multiple lenders for the best rate?
Yes. As a mortgage broker I have access to over 120+ wholesale lenders, which gives me the ability to compare loan options to find the best combination of rate, fees, and overall cost for your scenario. Instead of being limited to one bank’s pricing, we shop the market and match the loan to your goals (payment, closing timeline, down payment, and long-term plans).
What are closing costs, and how much are they?
Closing costs are the fees required to finalize your mortgage and transfer ownership. They often include lender fees, appraisal, title/escrow, recording, and prepaid items like homeowners insurance and property taxes. Total closing costs vary by loan type and location, but most buyers should plan for a range and we’ll provide a written estimate early so you can budget accurately.
Do you help self-employed borrowers (bank statement loans)?
Yes. If you’re self-employed and your tax returns don’t reflect your full cash flow, bank statement loans and other Non-QM options may let you qualify using business or personal deposits (instead of traditional W-2 income). We’ll review your documentation and find the best program based on your income pattern, credit, and down payment.
What’s the difference between interest rate and APR?
Your interest rate is the cost of borrowing the money. APR (Annual Percentage Rate) reflects the interest rate plus certain lender costs (like points and some fees) expressed as an annualized number. APR is helpful when comparing loan offers because it shows a broader “true cost” than rate alone.
Do you offer first-time buyer programs and down payment help?
Yes. Many first-time buyers qualify for options like low down payment conventional (as low as 3%), FHA (often 3.5% down), and in some cases down payment assistance depending on eligibility and location. I’ll help you compare programs side-by-side so you can choose what fits your budget, credit profile, and timeline.
How quickly can I get a pre-approval?
Many borrowers can complete the online application in 10–15 minutes, and we can often provide a same-day or next-business-day pre-approval once we have the key details and required documents. Timing depends on complexity (self-employed, multiple incomes, etc.), but the goal is a fast, clean approval you can use confidently when making an offer.
Why use a mortgage broker instead of a bank?
A bank offers one set of rates and one set of guidelines. A mortgage broker can compare multiple lenders to find better pricing, more flexible programs, and a stronger fit for your situation. You get more options, a clearer recommendation, and a strategy built around your goals—not a one-size-fits-all loan.