Creating Wealth

Through Real Estate

Confidence. Clarity. The Right Strategy.

What to expect when you partner with us...

Step 1: Education & Communication

Dreams & Goals Call

Every successful plan begins with understanding your goals. I start by addressing every question and concern with complete transparency, so you’ll always know the “why” behind every decision. You’ll be educated on the mortgage market, loan programs, and the whole process so you can move forward with confidence from day one.

Step 2: Strategic Tools for Smart Decisions

Total Cost Analysis
Compare loan options side-by-side and see the true cost and long-term savings of each.

Price and Advice = Confident Decisions

Mortgage Rate Lock Guidance
Rates move daily. I actively monitor the mortgage market and share best available market information to help you determine when to lock or float. It’s not just about a low rate, it’s about when you lock the rate.

Real Estate Report Card, Forecast Appreciation & Neighborhood Insights
Forecast appreciation, analyze area trends, and review neighborhood infographics, all designed to empower faster, smarter, and more confident decisions.

Real Estate Report Card

Forecasted Appreciation

Neighborhood Infographics

Step 3: Strengthening Your Offer

Full Pre-Approval & Listing Agent Engagement
Your pre-approval isn’t just a letter; it’s a strategy.
I personally call the listing agent to confirm your strength as a buyer, explain our process, and highlight why your offer will close smoothly. At the end of the call, the Listing Agent knows that I am local, I am accessible and often we have done a transaction together or the we know each other. This proactive communication often makes the difference in getting your offer accepted, especially in competitive markets.

Step 4: Seamless Process & Constant Communication

From start to finish, I keep you informed every step of the way.
You’ll always know exactly where we are in the process: no surprises, no confusion, just clear communication and on-time closings.

HAPPY HOMEOWNER PROGRAM

My commitment doesn’t end at closing; it begins there.

Refinance Rate Monitoring Program
You’ll be automatically notified when there’s an opportunity to save money through refinancing.

Monthly Home Report
Receive a personalized update with your home’s value, equity position, and neighborhood trends.

Quarterly Mortgage Market Update
Get video updates with market insights and opportunities.

Annual Mortgage Review
Ensure your debt structure continues to fit your goals and uncover new ways to save or grow wealth.

Circle Of Wealth Team

Together with my Circle of Wealth Team—including your Realtor, tax advisor, financial planner, and insurance professional—we’ll help you build and protect wealth through every season of homeownership.

Refinance Rate Monitoring Program

Monthly Home Report

Annual Financial Review

Circle of Wealth Team

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 | 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