# Jeremy Boillot

> #1 Mortgage Broker


## Posts

- [Don’t Wait for the Fed: Why Staying Close to Your Loan Officer Matters](https://jeremyboillot.com/dont-wait-for-the-fed-why-staying-close-to-your-loan-officer-matters/): When the Federal Reserve makes headlines, everyone starts asking the same question: “What does this mean for my mortgage rate?” Here’s the surprising truth: the Fed doesn’t directly set mortgage rates. So if you’re waiting to hear about a Fed rate cut before you call your loan officer, you may already be too late. What Really Drives Mortgage Rates The Fed sets the Fed Funds Rate, which affects short-term borrowing between banks. But mortgage rates, the ones tied to your 30-year fixed home loan, are influenced by the bond market. Investors are buying and selling mortgage-backed securities constantly, and mortgage […]
- [What a Slowing Job Market Could Mean for Mortgage Rates and Homebuyers](https://jeremyboillot.com/what-a-slowing-job-market-could-mean-for-mortgage-rates-and-homebuyers/): Mortgage Rates and Homebuyers For the past few years, the housing market has felt like a roller coaster. Rising borrowing costs made homeownership harder for buyers and limited opportunities for homeowners who wanted to refinance. But recently, there’s been a shift — and it’s tied directly to changes in the job market and broader economy. Signs the Job Market Is Losing Steam There’s growing evidence that the U.S. job market is starting to weaken. Just last week, initial unemployment claims reached a four-year high. On top of that, continuing claims — the number of people who remain unemployed and are […]
- [What’s Up with Real Estate?](https://jeremyboillot.com/whats-up-with-real-estate/): National news and local views for the week ending Friday, September 12, 2025 Jeremy Boillot This space allows you to include your own personalized introduction. We recommend a friendly greeting to your readers and a brief reference to this week’s feature articles! National Real Estate News Very weak jobs report According to the BLS, the US economy added just 22,000 jobs in August, and the previously reported figure for June was revised down to a negative number (-13,000). That’s the first time that the number of jobs has declined month-over-month in over 50 months! The unemployment rate also climbed from […]
- [Mortgage Banks Vs. Commercial Banks – What’s The Difference?](https://jeremyboillot.com/mortgage-banks-vs-commercial-banks-whats-the-difference/): When it comes to residential mortgage lending, most borrowers encounter three types of lenders: commercial banks, mortgage banks, and mortgage brokers. Each plays a different role in the mortgage industry, and understanding how they operate can make a big difference in choosing the right path for your home financing. Some of the biggest names in commercial banking include Wells Fargo, Bank of America, JPMorgan Chase, U.S. Bank, and PNC Bank. On the mortgage banking side, companies such as Rocket Mortgage, United Wholesale Mortgage, CrossCountry Mortgage, Fairway Independent Mortgage, Guild Mortgage, Guaranteed Rate, and American Pacific Mortgage dominate a large share […]

## Pages

- [Calculators](https://jeremyboillot.com/calculators/): FHA Calculator Mortgage Loan Calculator Refinance Calculator Affordability Calculator Conventional Calculator USDA Calculator VA Calculator Jumbo Calculator
- [ Why work with a Certified Mortgage Advisor](https://jeremyboillot.com/why-work-with-a-certified-mortgage-advisor/): When it comes to something as important as your home loan, you deserve more than an order taker — you deserve an advisor. That’s where working with a Certified Mortgage Advisor (CMA) makes all the difference. The CMA designation is recognized as the gold standard of excellence in the mortgage industry. To earn it, loan professionals complete rigorous training, pass advanced certification exams, and commit to strict ethical standards that put the client’s interests first. What This Means for You Personalized strategies, not cookie-cutter loans A CMA helps you find the right mortgage for your goals, not just the lowest […]
- [ Get your Free Personalized Home Report](https://jeremyboillot.com/get-your-free-personalized-home-report/)
- [Agent](https://jeremyboillot.com/agent/): AGENT RESOURCE GUIDE A successful agent uses the right resources.  As a valued Agent Partner with Jeremy Boillot, you’ll enjoy access to exclusive technology discounts, professionally designed co-branded marketing materials, on-demand monthly webinars, our easy-to-use mobile app, and much more to help you grow your business. Technology & Services Order Co-Branded Marketing Materials Blogs & Real Estate News Sources Mobile App for Agents Real Estate Focused Discussion Groups Podcasts Books Credit Repair Referrals
- [About Me](https://jeremyboillot.com/about-me/): Jeremy Boillot - Mortgage Loan Officer - Barrett Financial Group, LLC 122 Google reviews Write a review Tom Davis August 28, 2025 Trustindex verifies that the original source of the review is Google. We worked with Jeremy on a bridge loan and new home loan recently and Jeremy made it so easy for us, even as we were both working full time, that we were cleared to close in 5 days. It was fast and as close to stress-free as possible. He's thoughtful and communicates clearly and quickly. I would 100% seek out Jeremy to work with again on future […]
- [Texas Consumers: How To File A Complaint](https://jeremyboillot.com/texas-consumers-how-to-file-a-complaint/): Figure: 7 TAC §56.200(c) TEXAS RESIDENTS: Consumers wishing to file a complaint against a mortgage company or residential mortgage loan originator licensed in Texas and doing business as Jeremy Boillot should send a completed complaint form to the Department of Savings and Mortgage Lending (SML): 2601 N. Lamar Blvd., Suite 201, Austin, Texas 78705; Tel: 1-877-276-5550. Information and forms are available on SML’s website: www.sml.texas.gov.
- [licenses](https://jeremyboillot.com/licenses/): Jeremy Boillot Licenses ArizonaMortgage Banker Branch License #1042479 CaliforniaLicensed under the CRMLA by the California Department of Business Oversight | NMLS 1657323DFPI Residential Mortgage Lending Act License (Branch): 41DBO-176185 FloridaJeremy Boillot is regulated by the Florida Division of Consumer Finance. Branch License #MLDB17642 GeorgiaGeorgia Residential Mortgage Licensee (#59080) – 1212 Broadway Plaza, Suite 2100 – #75, Walnut Creek, CA 94596 IdahoLicensed by the Idaho Department of Finance. Corporate License: MBL-2081657323 IllinoisIllinois Residential Mortgage License – MB.6761825 LouisianaMortgage Lending License #1657323 MassachusettsLicensed by the Massachusetts Division of Banks. Mortgage Lender License #MC1657323Mortgage Broker License #MC1657323 OregonMortgage Lending License #1657323 TennesseeMortgage Lender […]
- [Find my Loan Match](https://jeremyboillot.com/find-my-loan-match/): Find the perfect loan type for you What best describes your homebuying goal? I’m a first-time buyer I want to buy a new home I want to buy an investment property I am a Veteran, actively serving, or their spouse I want to refinance Get started
- [Home Equity Loan](https://jeremyboillot.com/loan-types/home-equity-loan/): Great For Home Improvements Home Equity Loan You need cash for upgrades, debt payoff, or big goals—but you don’t want to lose your great first-mortgage rate or gamble on a variable HELOC. Get a quote Get a FREE consultation Benefits Stable fixed rate & predictable payment Leverage your home’s equity without giving up your low-rate first mortgage. Get immediate access to funds in one convenient lump sum. Choose from flexible fixed-rate terms of 10 or 20 years. Use your cash your way—whether for renovations, debt consolidation, or new investments. Eligibility Up to 85% Loan-to-Value (LTV) allowed Minimum credit score requirement: […]
- [No Cost Refinance](https://jeremyboillot.com/loan-types/no-cost-refinance/): Avoid Paying Closing Costs No Cost Refinance A no-cost refinance lets you update your mortgage without paying closing costs upfront, making refinancing easier and more affordable. Get a quote Get a FREE consultation Benefits No upfront cash required Provides immediate savings Keep your money available for other home improvements Eligibility Credit score of at least 620 Closing timeline of 30–45 days Minimum 3% home equity needed What is a No Cost Refinance? A no-cost refinance lets you refinance your home without paying closing costs out-of-pocket, making it a great choice for homeowners who are short on cash or looking for […]
- [Cash-Out Refinance](https://jeremyboillot.com/loan-types/cash-out-refinance/): Use Your Home Equity to Access Cash Cash-Out Refinance A cash-out refinance allows you to tap into the equity you’ve built in your home, giving you access to funds for home renovations, education expenses, debt consolidation, or other financial goals. Get a quote Get a FREE consultation Benefits Unlock cash by leveraging your home’s equity No need for a second mortgage Access funds for home improvements or renovations Eligibility At least 20% equity in your home Closing period of 30 to 45 days Minimum credit score of 620 What is a Cash-Out Refinance? A cash-out refinance lets you access cash […]
- [Rate and Term Refinance](https://jeremyboillot.com/loan-types/rate-and-term-refinance/): Get a Lower Rate Rate and Term Refinance A rate and term refinance lets you reduce your interest rate and improve your mortgage terms while keeping the principal balance on your home the same. This approach helps lower monthly payments or shorten your loan term without taking on additional debt. Get a quote Get a FREE consultation Benefits Reduce your monthly mortgage payment and save on interest. Secure a lower, fixed interest rate for long-term savings. Eliminate mortgage insurance when eligible. Shorten your loan term to pay off your home faster. Eligibility Minimum credit score of 620 for conventional refinance […]
- [First Time Homebuyer](https://jeremyboillot.com/loan-types/first-time-homebuyer/): Lower Rates For First-Time Buyers First-Time Buyer Rate Discount Program First-time buyers can now enjoy permanently reduced rates, up to 1% lower, through Jeremy Boillot’s Rate Discount Program.      Get a quote Get a FREE consultation Benefits Eliminate rate penalties even with a small down payment or lower credit score Simplified approvals for W2 employees Quick closing – just 14 days from contract to keys Enjoy rates that stay fixed for life Eligibility Eligibility for first-time homebuyers only 3% or more down payment required Minimum credit score of 620 needed For primary residences only Owning your first home just […]
- [Strike Rate](https://jeremyboillot.com/refinance/rate-drop-free-fi/): Refinance With Confidence Life changes—and so should your mortgage. Whether you’re looking to lower your monthly payment, shorten your loan term, or tap into your home’s equity, refinancing can open the door to smarter financial options.   Start My Refi Claim your savings Why Homeowners Refinance: Lower your monthly payment and save money each month Pay off your mortgage faster by shortening the loan term Switch from an adjustable rate to a stable fixed rate Consolidate high-interest debt into one simple payment Access cash for renovations, education, or major life goals FAQ When will rates drop? While there’s no way […]
- [Refinance](https://jeremyboillot.com/refinance/): Refinancing made simple. Ready to get started? Home Refinance Get your custom rate quote with: No commitment No documents required No impact on your credit score No Cost Option We can provide lender credits that cover most non-recurring closing costs on nearly all refinance loans. Rates & Fees We shop with dozens of wholesale lenders so you get the best rate available. Expert Guidance Our mortgage specialists walk you through every refinance option so you can make the right choice. Seamless Process Cutting-edge technology and exceptional service ensure your refinancing is faster and easier than anywhere else. RATE WATCH Falling […]
- [How to get pre approved](https://jeremyboillot.com/purchase/how-to-get-pre-approved/): Getting pre-approved is the first step in buying a home. Did you know? A Pre-Approval can boost your chances of getting your offer accepted by up to 50%! Start my pre-approval What does it mean to get pre-approved? A Pre-Approval lets you know exactly what price range you qualify for and shows sellers that your financing is solid—giving them confidence you’ll close smoothly and on time. Getting pre-approved is easy and FREE! We take the time to understand your financial situation and match you with the loan that best fits your needs. Our goal is to secure the best possible […]
- [Purchase](https://jeremyboillot.com/purchase/)
- [VA Loans](https://jeremyboillot.com/loan-types/va-loans/)
- [Non-QM Loans](https://jeremyboillot.com/loan-types/non-qm-loans/): Alternative Financing Options Non-QM Loans Non-QM (Non-Qualified Mortgage) loans are flexible financing solutions designed for homebuyers who may not fit within the strict guidelines of traditional mortgage programs. Unlike standard loans, Non-QM products consider alternative forms of income and unique financial circumstances, making them ideal for self-employed individuals, business owners, real estate investors, or borrowers with non-traditional income streams. Get a quote Get a FREE consultation What is a Non-QM Loan? Mortgage lending is a detail-oriented process, and anyone who has gone through underwriting can attest to the amount of documentation typically required. When you work with Jeremy Boillot, our […]
- [EasyPath Mortgage Program](https://jeremyboillot.com/loan-types/easypath-mortgage-program/): Buy Before You Sell A step-by-step guide to your Buy Before You Sell transaction Upgrade to your next dream home without the stress of selling first. With the Buy Before you sell, you can qualify for a new mortgage even while still carrying your current one. This innovative solution helps you move forward confidently, making it easier to transition into the perfect home without unnecessary delays or financial roadblocks. Get a quote Get a FREE consultation Benefits Remove your current mortgage payment from your debt-to-income (DTI) ratio so you can qualify for more when buying your new home. Sell your […]
- [Temporary Rate Buydown](https://jeremyboillot.com/loan-types/2-1-lender-paid-temporary-buydown/): Lower Your Rate by up to 3% at the start of your loan Temporary Rate Buydowns: Start With a Lower Payment With this exclusive program, buyers can enjoy interest rates that are 3% lower in the first year, 2% the following year and 1% lower in the third year. Get a quote Get a FREE consultation Benefits Lower Payments: Ease into your mortgage with lower payments up front. Affordable Start: Makes monthly mortgage payments more manageable during the first three to two years. Open to More Buyers: Available to anyone who qualifies – not limited to first-time homebuyers. Extra Savings […]
- [15-Year Fixed-Rate](https://jeremyboillot.com/loan-types/15-year-fixed-rate/): Lower Rates & Less Interest Paid 15-Year Fixed-Rate A 15-year fixed-rate mortgage is an excellent choice for homeowners who want to build equity faster and pay off their loan sooner. While the monthly payments are higher compared to a 30-year term, the shorter repayment period allows you to save significantly on interest over the life of the loan. Get a Quote FREE consultation Benefits Pay off your mortgage faster and reduce the total interest paid over time Enjoy lower interest rates compared to 30-year fixed loans Predictable monthly payments with a fixed rate Build home equity at a quicker pace […]
- [30-Year Fixed-Rate Mortgage](https://jeremyboillot.com/loan-types/30-year-fixed-rate-mortgage/): Most Popular 30-Year Fixed-Rate Mortgage The 30-year fixed-rate mortgage remains the most popular loan choice for homebuyers. With a longer repayment term, this option provides predictable monthly payments spread out over time—making homeownership more affordable and manageable for many buyers. Get a quote Get a FREE consultation Benefits Competitive, low interest rates Flexible down payment options starting as low as 3%–5% Fast closing timeline – typically 14 to 21 days from contract to keys Ability to use gift funds for both down payment and closing costs Eligibility 3% minimum down payment for low-balance loan amounts 5% minimum down payment for […]
- [Bridge Loans](https://jeremyboillot.com/loan-types/bridge-loans/): Buy Before You Sell Bridge Loans A bridge loan is a short-term financing solution that allows homeowners to tap into the equity of their current property and use it toward the purchase of a new home. This option gives you the freedom to buy your next home without having to wait for your existing property to sell, making the moving process smoother and less stressful. Get a personalized quote FREE consultation with our experts Benefits Buy Before You Sell – Secure your next home without waiting to sell your current one. 0% Interest & $0 Payments – The best bridge […]
- [VA Home Loan Experts](https://jeremyboillot.com/va-home-loan-experts/): VA HOME LOAN EXPERTS We help veterans achieve their dream of homeownership. Our team of VA experts will help you make the most of your VA loan benefits. Home purchase Home refinance Benefits of VA loans Competitive Rates 0% down payment programs available No mortgage insurance required Flexible and easy qualification rules Simple, stress-free pest inspections https://jeremyboillot.com/wp-content/uploads/2025/09/VA-Loan.mp4 You deserve some exclusive benefits As your local independent mortgage broker, we offer service members and their families benefits to help you buy or refinance a home, including: A credit inquiry that doesn’t affect your credit score Minimum 580+ credit score Typically no […]
- [Jumbo Loans](https://jeremyboillot.com/loan-types/jumbo-loans/): Perfect for Expensive Markets Jumbo Loans Jumbo loans are non-conforming mortgage options designed for buyers purchasing in high-cost areas or those seeking homes with larger budgets. Get a quote Get a FREE consultation Benefits Loan amounts available up to $5 million Down payment options as low as 10% Mortgage Insurance (PMI) is not always required Eligibility Minimum 10% down payment (best rates available with 25% or more down) Minimum credit score requirement of 680 At least 6 months of reserves required Stricter underwriting standards compared to conforming loans What is a Jumbo Loan? A jumbo loan is designed for purchasing […]
- [Contact Us](https://jeremyboillot.com/contact-us/): Contact Us Easily reachable by phone or email whenever you need us Call, text, or email: Phone: (480) 677-0644 Fax: (800) 385-3630 Jboillot@BarrettFinancial.com Available 7 Days A Week Monday – Friday: 8:00am – 6:00pm (PST)Saturday – Sunday: 10:00am – 5:00pm (PST) Wherever you’re buying, refinancing, or just exploring your options, I’m here to help. My goal is to make the process simple, clear, and tailored to your financial future so you can move forward with confidence. Send us a message
- [FHA Loan](https://jeremyboillot.com/loan-types/fha-loan/): A Smart Choice for First-Time Buyers FHA Loans FHA loans offer flexible qualification guidelines and low down payment options — making them an excellent choice for first-time homebuyers. Get a quote Get a FREE consultation Benefits Offers more competitive rates compared to conventional loans Down payment options starting at just 3.5% Quick closings — from contract to keys in as little as 14–21 days Ability to use gift funds for both down payment and closing costs Eligibility Minimum credit score of 580 Down payment as low as 3.5% Debt-to-income ratios up to 56% Available for primary residences only What is […]
- [Loan Types](https://jeremyboillot.com/loan-types/): Mortgages can be tricky. We’ll be your loan matchmaker: Apply Now Explore All Loan Types Special Programs Conventional Government Low Down Payment Refinance Non-QM Investment Reverse Mortgage No PMI Required! 3% Down Payment This program provides an accessible solution for many homebuyers looking to overcome common financing hurdles. Benefits No PMI – Save significantly on your monthly payments. Low Down Payment – Only 3% required to get started. Flexible Credit Guidelines – Designed to help more buyers qualify with ease. Bridge Loan Bridge Loan A bridge loan is a short-term financing solution that lets you access the equity in your […]
- [Blogs](https://jeremyboillot.com/blogs/)
- [Home](https://jeremyboillot.com/): Buying a Home Shouldn’t Be Complicated We make it easy to secure the competitive rate you deserve. 🏠 Check Your Rate Today No upfront fees No obligations. Use him, if he can’t get you financed nobody can! Duane Davis Having my wife and I being entrepreneurs and high credit usage….due to putting money into our own businesses to grow, we thought a refinance wouldn’t happen on a bet 😂. Jeremy right out of the gate helped lay down the expectations and possible pain points on what could happen for us. However he was very optimistic and strategic on how to […]
- [Privacy Policy](https://jeremyboillot.com/privacy-policy/): Privacy Policy Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate, and disclose personal information. The following outlines our privacy policy. Before or at the time of collecting personal information, we will identify the purposes for which information is being collected. We will collect and use personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law. We will only retain personal information as […]

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