Expert California
Mortgage Broker
Comprehensive mortgage solutions tailored to your unique financial situation.
You deserve to own your home and build wealth.
Client Success Stories
Price & Advice
According to Zillow, 81% of homeowners between 18 and 34 years old have at least one regret about buying their home.
Choosing a mortgage based solely on interest rate, without factoring in your broader financial plan, can limit your long-term wealth.
You deserve to own your home and build wealth. We'll help you do both.
Kurt Kessler
NMLS #365130
How We Can Help
Comprehensive mortgage solutions tailored to your unique financial situation
Let's Talk
Schedule a free consultation to discuss your home financing goals
Apply
Start your mortgage application with our streamlined process
Refi Watchlist
Get alerts when it's the right time to refinance your mortgage
VA Home Loans
No Money Down option for eligible Veterans and VA IRRRL Refinance.
FHA Home Loans
Schedule a free consultation to discuss your home financing goals
Jumbo Loans
For those who need a loan larger than the Conforming Loan Limits
DSCR/Investor Loans
Explore programs that let you buy a home with no money down - 100% Financing
Self Employed Home Loans
Zero Tax Return solutions for business owners and entrepreneurs
Reverse Mortgage
Homeowners 62+ who want eliminate payments and tap into their equity
No/Zero Down Payment Options
Qualify on the property rental income, not your personal income
Bridge Loans
Short-term financing to buy a new home before selling your current home
HELOC/HELOAN
Flexible access to you home equity, borrow what you need, when you need
Credit Tips
Tips to handle and improve your credit score
Kurt's Mortgage Calculator
Mortgage Payments, Amortization Table, Buydown, Bi-Weekly, 15 vs 30 Year
Realtors Resources
Partner with us to build your business and provide your clients exceptional service
Kurt Kessler's Mortgage Blog
Get a Second Opinion on Your Mortgage
Discover why a second opinion on your mortgage can save money and support long-term goals. ...more
Real Estate Market
June 23, 2026•3 min read
Impact of Iran Peace on Real Estate & Mortgages
Explore how the Iran peace deal influences real estate, mortgage rates, and investment strategies. ...more
Real Estate Market ,Concord, CA Real Estate
June 23, 2026•4 min read
Concord, CA Real Estate Market Update – June 2026
Concord, CA Real Estate Market Update – June 2026 ...more
Concord, CA Real Estate
June 09, 2026•3 min read
Contra Costa County Real Estate Market Update – June 2026
Contra Costa County Real Estate Market Update – June 2026 ...more
Real Estate Market
June 05, 2026•2 min read
What Is a Non-QM Loan? 2026 Guide for Self-Employed & Real-World Borrowers
In today’s mortgage environment, not every qualified borrower fits neatly inside traditional agency guidelines. ...more
First Time Home Buyer ,Self Employed Home Loans
June 01, 2026•15 min read
Ready to Get Started?
Let's discuss how we can help you achieve your homeownership and wealth-building goals
This is not a commitment to lend. All loans are subject to credit approval. This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Other limitations may apply. No Tax Return loans products require other forms of income documentation and asset verification in lieu of tax returns. Not all applicants will qualify. Some products we offer may have a higher interest rate, more points or more fees than other products requiring more extensive or different documentation. Minimum FICO, reserve, and other requirements apply.
Kurt Raymond Kessler NMLS #365130 | 1082 Allegheny Drive, Danville CA 94526
Barrett Financial Group, L.L.C. NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | CA 60DBO-46052 & 41DBO-148702
Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License
