Where real deals get done

Check out what the Mortgage Universe has to offer:

  • Non-QM
    Non-QM
  • DSCR
    DSCR
  • No Ratio Loans
    No Ratio Loans
  • Hard Money / Private Money
    Hard Money / Private Money
  • Bank statement loans
    Bank statement loans
  • P&L loans
    P&L loans
  • Conventional, VA, FHA
    Conventional, VA, FHA
  • Asset Depletion
    Asset Depletion
  • Investor Loans
    Investor Loans
  • Commercial Loans
    Commercial Loans
  • Jumbo Loans / High Balance Loans
    Jumbo Loans / High Balance Loans
  • Foreign National Loans
    Foreign National Loans
  • Foreclosure Bailout
    Foreclosure Bailout
  • ITIN Loans
    ITIN Loans
  • Second Mortgage
    Second Mortgage
  • HELOC / HELON
    HELOC / HELON
  • FHA 203k Loans
    FHA 203k Loans
  • FixnFlip
    FixnFlip
  • Renovation Loans
    Renovation Loans
  • Construction Loans
    Construction Loans
  • Reverse Mortgages
    Reverse Mortgages

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    Built on Expertise. Driven by Service.

    Our Lead Mortgage Originator, Sal Bossio, has been dedicated to perfecting the mortgage process since 2021 — starting his career during the historic COVID refinance boom. With experience at multiple top mortgage companies, Sal has developed a deep understanding of home loans and continues to stay on the cutting edge of the industry.

    It’s more than finding the lowest rate — it’s about delivering an exceptional client experience built on communication, transparency, and trust.

    From your first conversation to the closing table (and beyond), our team is available nearly 24/7 to answer questions, provide guidance, and make sure you feel confident every step of the way.

    This isn’t just a transaction — it’s a relationship. Our goal is to be your go-to resource for all your future home financing needs.

    Powered by Barrett Financial Group, LLC We proudly operate under Barrett Financial Group, LLC — one of the nation’s leading mortgage brokerages with over 1,700 loan officers and 30 years of trusted experience helping homeowners across the country.

    Testimonials

    Sal Bossio – Mortgage Professional NMLS #1984347

    Mortgage Universe is built to search the entire lending market for you — so you don’t have to. Instead of spending days shopping around with different lenders to find your match, our technology compares top loan options instantly. Just enter your basic information, and we search it all with one click — saving you time, money, and hassle. Then we will we contact you to confirm accuracy of information and build your loan.

    Step 1:

    Complete Quick-App (powered by Barrett Financial Group - No Credit Pull)

    Step 1:

    Step 2:

    wait on a call / text / email from Sal to discuss options

    Step 2:

    HOW MUCH CAN THE SELLER COVER?

    Your cheat sheet for closing costs & credits — by loan type
    LOAN TYPE BUYER TYPE MAX SELLER MAX.SELLER
    Conventional Primary (≤>10%) 3% 3%
    Investment = Primary 10-25% 6% 6%
    FHA 15% or more 6% Up to 100%
    VA Primary 6% Can include debt pavoff*
    USDA* Primary Up to 6% 2%
    Pro Tip: : Seller credits can help cover:
    • Closing costs
    • Prepaids
    • Discount points
    • Even agent fees (where allowed)

    Want to strategize how to maximize seller credits for your buyers? Let's talk - I'll help you structure smarter offers.

      Get in Touch





      Salvatore Bossio | NMLS #1984347 | Mortgage Universe powered by Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AR 124815 | 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 | FL MLD1880 | GA 181106 | NM | PA 92105 | VA MC-7357 & MC-7357 | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106 | barrettfinancial.com

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