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As a licensed loan officer with Barrett Financial Group—a leading mortgage brokerage approved with 173 lenders—I offer a streamlined way to secure the best loan for your needs. With just one application and one credit pull, I shop across our extensive network to find the most competitive rates and fees, and flexible terms available—both for now and the long run.
You stay with me throughout the entire process. If one loan program doesn’t quite fit, I can pivot to another lender without restarting or switching loan officers. Whether you're buying your first home, upgrading, investing, or refinancing, my mission is to make the financing experience smooth, informed, and tailored to your unique situation.
FHA loans offer low down payments, affordable interest rates, and flexible credit guidelines—including options for scores as low as 500 or even no credit history. Ideal for first-time homebuyers or those looking to upgrade with unique financial circumstances. Even if you’ve had credit challenges in the past, FHA loans can offer a fresh start and a clear path to homeownership.
Conventional loans offer competitive rates, low down payment options, and a variety of flexible programs. Ideal for buyers with solid credit and for those who don’t fit into government loan guidelines. Plus, mortgage insurance can be removed—making it a smart, long-term choice for many homebuyers.
VA loans offer zero down payment, no mortgage insurance, and competitive interest rates—exclusively for eligible veterans, active-duty service members, and surviving spouses. Backed by the Department of Veterans Affairs, this loan is designed to make homeownership more affordable and accessible. With flexible credit guidelines and powerful long-term savings, VA loans are a well-earned benefit that supports those who have served.
Jumbo loans are designed for homebuyers needing financing above conventional loan limits—perfect for high-value or luxury properties. With access to several top lenders, borrowers can shop around for the most competitive interest rates and terms. These loans offer flexible guidelines for qualified buyers with strong credit, income, or assets, making them a powerful option when your dream home exceeds standard loan limits.
DSCR loans are designed for real estate investors and qualify based on the property's rental income—not the borrower’s personal income or employment history. With flexible guidelines and no tax returns required, they’re ideal for building a rental portfolio quickly and efficiently. A smart financing solution for investors who want to scale without the traditional income hurdles.
Fix and flip loans are short-term financing solutions designed for real estate investors looking to buy, renovate, and resell properties for profit. These loans are based on the property's after-repair value (ARV), providing quick access to funds for purchase and renovations. Ideal for experienced or first-time investors who want to move fast and maximize return on investment.
Asset depletion loans are designed for borrowers with substantial assets but limited or no traditional income. Instead of using employment income, lenders calculate monthly income by dividing your liquid assets over a set period—typically 60 to 120 months. This is a great option for retirees, self-employed individuals, or high-net-worth borrowers who want to qualify based on their wealth, not their paycheck.
Bank statement loans are perfect for self-employed individuals or business owners who don’t show consistent income on tax returns. Instead of W-2s, lenders use 12 to 24 months of personal or business bank statements to calculate qualifying income. It’s a flexible, documentation-light option for those with strong cash flow but non-traditional income.
1099 mortgage loans are tailored for independent contractors, freelancers, and gig workers who receive 1099 income instead of W-2s. These loans use your 1099 forms—typically from the past 1 to 2 years—to calculate qualifying income without needing full tax returns. It's an ideal solution for self-employed borrowers with strong earnings but complex write-offs.
Temporary buydown programs—like are designed to reduce your mortgage payments for the first 1 to 3 years of your loan. You get a competitive interest rate up front, easing into full payments over time. The difference in payment is typically covered by the lender or seller, making this a powerful tool to increase affordability and give buyers breathing room in the early years of homeownership.
A rate and term refinance replaces your existing mortgage with a new one—usually to secure a competitive interest rate, shorten your loan term, or switch between loan types (like from FHA to Conventional). This option doesn't involve taking cash out but focuses on improving your monthly payment or overall loan structure. It's a great way to reduce your interest costs over time or pay off your home faster.
A cash-out refinance allows you to tap into your home’s equity by replacing your current mortgage with a new, larger one—and receiving the difference in cash. You can use those funds for anything: home improvements, debt consolidation, investing, or other financial goals. It's a smart way to access the value you've built in your home while possibly lowering your interest rate or improving your loan terms.
There’s no one-size-fits-all mortgage. With so many loan products available, it’s important to find the one that truly fits your financial goals and life situation. Every borrower is different, and what works for one person may not be the best option for another. Contact me for personalized review and let’s find the loan that’s right for you.
If you’re ready to move forward, click below to begin the official pre-approval process. You’ll be redirected to a secure mortgage application site where your information is protected every step of the way. This step includes a full credit pull and allows us to review your application with approved lenders to match you with the best loan options available.
If you’re still exploring your options or have questions before starting the application, click below to schedule a free consultation. This no-obligation call is simply to answer your questions and help you understand your choices—no pressure and no credit pull required. I’m here to guide you through the next steps when you’re ready.
If you’ve already started the process and have a Loan Estimate or rate quote, feel free to send it over. I’ll review it and compare it with offers from 170+ lenders to see if there’s a competitive rate or lower fees available. With full transparency, I’ll let you know if it makes sense to switch—or if you’re better off staying with your current lender.
Whether you're looking to lower your rate or tap into your home's equity with a cash-out refinance, feel free to send me your current mortgage statement. I’ll review it and provide a personalized quote—no credit check required for this estimate. This way, you can see if it makes sense before starting the full application process.
I offer mortgage loans through a highly rated brokerage powered by one of the most respected mortgage companies in the nation—Barrett Financial Group. With a strong reputation for customer satisfaction and top-tier service, I’m proud to be part of a team that puts clients first every step of the way.
Copyright © 2025 Zeitoun Homes & Loans - All Rights Reserved.
The information provided by Abbey Zeitoun is for general informational purposes only.
All mortgage loan programs are subject to underwriting approval. Rates and terms are subject to change without notice.
Abbey Zeitoun | NMLS #1333070 | Barrett Financial Group, L.L.C. | NMLS #181106 | 8485 W Sunset Rd Suite 202, Las Vegas, Nevada 89113 | AZ 0904774 | 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. | NV 5091 | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | NMLS Consumer Access | Visit Barrett Financial Group’s Website
Equal Housing Opportunity Lender
Licensed Mortgage Professional NMLS ID: 1333070 NV, CA, AZ
Las Vegas Realtor NV. S.200581
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