First-time buyers
Your first set of keys, explained step by step—low-down-payment options and down payment assistance programs for eligible buyers.
Kristina Graham · Private mortgage advisory · Las Vegas
We close.
Your next chapter, beautifully financed.
5.0 Google ratingRead reviews ↗From a first home with down payment assistance to a luxury residence, a growing business or an investment portfolio, one advisor takes you all the way to the closing table.
Complimentary consultations · Start a secure application ↗
$130M+
In home loans closed
300+
Families to the closing table
5.0★
Google rating
4
States · NV · FL · TN · TX
Barrett Financial Group, L.L.C.NMLS #1457434Company NMLS #181106Equal Housing OpportunityZillow lender profile ↗
Who I work with
Every chapter, thoughtfully financed.
Every client receives the same standard of care—whether you're buying your first home with down payment assistance or structuring financing around a business, a portfolio or several properties.
Business owners
Write-offs can make strong income look modest on paper. Bank statement and profit-and-loss programs may document what you actually earn.
Executives & professionals
Bonuses, commissions and variable compensation, reviewed carefully so the full picture of your income is presented well.
Investors
From a first rental to a growing portfolio—DSCR, bridge and equity strategies built around cash flow and your next acquisition.
Luxury & second homes
Jumbo financing for primary residences, second homes and custom builds, including options for clients whose wealth is primarily in assets.
Veterans & move-up buyers
VA financing for eligible service members and veterans, and a smooth plan for buying your next home while selling your current one.
Financing, thoughtfully structured
More ways to get there.
As a broker, I'm not limited to one bank's products. I take your scenario to a wide lender network and place it where it fits best.
Not sure where your scenario fits? That's what a private consultation is for.
Program availability and qualification vary by lender, property, occupancy and state. All loans are subject to underwriting and approval.
Not sure which program fits? A short call is the fastest way to find out.
Your mortgage · My personal attention
The right home starts with the right conversation.
Kristina Graham
The private client experience
One advisor.
Focused on the close.
Hi, I'm Kristina.
Whether it's your first home or your fifth property, you deserve a mortgage process that respects your time—clear strategy up front, few surprises, and one person who knows your file from start to finish.
As a mortgage broker with Barrett Financial Group, I compare options across a wide lender network rather than limiting you to one bank's products. From first homes with down payment assistance to jumbo, business-owner and investor financing, we start with your bigger picture.
- 01Direct accessWork with me directly, not a call center or a rotating team.
- 02Structure before rateWe look at down payment, reserves, income documentation and loan design together.
- 03CoordinationI can work alongside your CPA, financial advisor, attorney and real estate agent.
- 04DiscretionSensitive documents go through Barrett's secure application, never ordinary email.
The process
The path to closing.
A clear plan at the start means fewer surprises in underwriting and a smoother path to closing.
- I
Private consultation
Your goals, timeline, properties and how your income and assets are held.
- II
Strategy & structure
We compare suitable programs, down payment, reserves and fixed, adjustable or interest-only options.
- III
Underwriting, managed
I stay on your file through appraisal and underwriting, with one clear point of contact.
- IV
We close.
Final terms, the closing table, and a partner to revisit your financing as your plans change.
Pre-approval is not a commitment to lend. Final approval and closing depend on documentation, property review and underwriting.
Planning tools
Clarity, before commitment.
Model a scenario privately. Nothing you enter here is saved or sent anywhere.
Estimated monthly payment
$7,244/ mo
Loan amount$937,50030-year fixed-rate illustration
- Principal & interest
- $5,926
- Property taxes
- $625
- Home insurance
- $300
- HOA & mortgage insurance
- $0
Illustrative interest-only payment
—/ mo
During the first 10 years, including the taxes, insurance and other costs you entered.
- Interest-only payment (interest portion)
- —
- Payment after the interest-only period
- —
- Fully amortizing payment from day one
- —
- Monthly difference during interest-only period
- —
- Additional interest over the loan's life
- —
Principal is not reduced during the interest-only period, and the payment rises when it ends because the balance is repaid over the remaining term. Assumes a fixed rate for illustration; many interest-only loans are adjustable.
Potential interest savings
$0
By adding $1,000 to principal each month.
- Payoff with extra payments
- —
- Time saved
- —
- New monthly principal & interest
- —
- Original total interest
- —
- Total interest with extra payments
- —
Assumes a new, fixed-rate loan and consistent extra principal payments from month one. Taxes, insurance and HOA costs are excluded and continue after loan payoff.
Illustrative first-year payment
—/ mo
Includes the taxes, insurance and other costs you entered.
- Full monthly payment after buydown
- —
- Estimated upfront subsidy
- —
The note rate does not change. A funded subsidy temporarily offsets payments; borrower qualification generally uses the full note rate. Availability and funding sources vary by program.
Estimates only. Not a Loan Estimate, APR, rate lock, pre-approval or commitment to lend. Excludes closing costs and any financed fees. Actual payments and costs may differ.
In their words
She made the process so
easy and low stress.
Complimentary consultations
Ready when you are. We close.
Insights
Learn before you apply.
Short, plain-language videos on first-time buying, down payment assistance, jumbo loans, self-employed financing and more.
Questions
Before we begin.
Wondering about something else? There's always room for a conversation.
Ask KristinaCan we talk before I apply?
Absolutely. A private consultation starts with your goals, timeline and how your income and assets are held. You don't need documents ready for a first conversation, and nothing is submitted until you choose to apply.
Do you work with first-time buyers?
Yes—first-time buyers are a big part of what I do. We'll walk through budget, credit, down payment and closing costs together, and compare FHA, conventional, VA and down payment assistance options you may be eligible for.
What is down payment assistance, and could I qualify?
Down payment assistance programs—offered through state housing agencies, local programs and some lenders—can help eligible buyers cover a down payment or closing costs, as a grant or a second loan that may be forgivable or repayable. Eligibility usually depends on income, purchase price, location, credit and sometimes homebuyer education. I can review which programs may fit in Nevada, Florida, Tennessee or Texas.
What does a jumbo loan require?
Jumbo loans exceed the conforming loan limit for the property's county. Underwriting is typically more detailed—lenders look closely at down payment, credit, documented income and post-closing reserves. Requirements vary by lender, so comparing across a network can make a real difference.
I own a business. How is my income evaluated?
It depends on how you earn and document it. Options may include traditional tax-return documentation, or alternative-documentation programs such as bank statement loans that look at 12 or 24 months of deposits, or profit-and-loss programs. Qualification and terms vary.
Can I qualify using my assets instead of income?
Some programs allow a portion of eligible liquid assets—such as investment or retirement accounts—to be considered when calculating qualifying income. How assets are counted, and which types are eligible, varies by lender and program.
Why work with a broker instead of my bank?
A bank can only offer its own loans. As a broker, I take your scenario to a wide lender network and place it where it fits best—often valuable when your income, assets or property are less traditional.
Which states do you serve?
I'm licensed in Nevada, Florida, Tennessee and Texas. Based in Las Vegas, I work with borrowers throughout those states. You can review my licensing through my Barrett Financial profile and NMLS Consumer Access.
Is the calculator a rate quote or an approval?
No. These are planning tools using the assumptions you enter, including a hypothetical rate. They do not check eligibility or pull credit. A personalized quote and any approval require a separate review through the lender's process.
Private consultation
Let's get you
to the closing table.
Share a little about what you have in mind. I'll follow up personally to find a time that suits you.
Direct line(702) 292-7252
EmailKristinaG@BarrettFinancial.com
Office
8485 W Sunset Rd, Suite 202
Las Vegas, NV 89113