Fabion Medhanie - Mortgage PTSD, powered by Barrett Financial Group

Name: Fabion Medhanie - Mortgage PTSD, powered by Barrett Financial Group
Address: Las Vegas, NV, US
Telephone: +17027667762
Rating: 5

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Fabion Medhanie - Mortgage PTSD, powered by Barrett Financial Group

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Fabion Medhanie NMLS # 2002997, Barrett Financial Group, L.L.C | NMLS #181106 Barrett Financial Group, L.L.C.
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NMLS #181106 | For licensing information, go to: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106 | Equal Housing Opportunity - Loan Originator

10/27/2026

Quick question for the veterans and military families here: if you've been saving up for a down payment, how long have you been at it?

I ask because a lot of veterans I talk to are saving for something their benefit may already cover.

The VA home loan was made for people who served. Here is what makes it different:

No down payment is required with full entitlement, as long as the price isn't above the appraised value.

No monthly mortgage insurance. There is a one-time funding fee, and veterans receiving VA disability compensation are exempt from it.

It isn't a one-time thing. Sell or refinance, and you can use it again.

So why do so many veterans skip it? Old myths. "Sellers won't take it." "It takes forever." Today, that's mostly just not true.

It all starts with one document, your Certificate of Eligibility. Often I can pull it for you online, so you don't have to chase it.

If you want to see where you stand, my VA Benefit Check takes about 3 minutes, with no credit pull and no Social Security number. The link is in the first comment 👇🏽 Or comment COE and I'll send it to you.

Know a veteran who is still saving for a down payment? Share this with them.

Not affiliated with the Department of Veterans Affairs or any government agency.

Fabion Medhanie, NMLS ID # 2002997 | 702-766-7762
MortgagePTSD, powered by Barrett Financial Group, L.L.C., NMLS ID # 181106 (www.nmlsconsumeraccess.org) | barrettfinancial.com
2701 East Insight Way, Suite 150, Chandler, AZ 85286
Licensed in CA, CO, FL, GA, NC, NV, TN, TX, VA. CA: Licensed by the Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act (41DBO-148702). Loans made or arranged pursuant to a California Financing Law License (60DBO-46052).
Equal Housing Opportunity. Not a commitment to lend. All loans subject to credit approval.

10/25/2026

Hi, I'm Fabion 👋🏽

Some of you know me from my time in uniform, some from around Las Vegas. What a lot of you don't know is what I do all day.

I'm a mortgage broker. I help veterans and families buy homes, and I built my whole business around one problem: the loan file that goes quiet right when you need an answer. That's literally why it's called MortgagePTSD, the Pretty Terrific Service Department.

Help me understand something. If you've bought a home before, what was the moment you felt most in the dark? And if you haven't yet, what's the question you've been afraid to ask?

Put it in the comments or message me. No pitch, just a straight answer.

www.MortgagePTSD.com

Fabion Medhanie, NMLS ID # 2002997 | 702-766-7762
MortgagePTSD, powered by Barrett Financial Group, L.L.C., NMLS ID # 181106 (www.nmlsconsumeraccess.org) | barrettfinancial.com
2701 East Insight Way, Suite 150, Chandler, AZ 85286
Licensed in CA, CO, FL, GA, NC, NV, TN, TX, VA. CA: Licensed by the Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act (41DBO-148702). Loans made or arranged pursuant to a California Financing Law License (60DBO-46052).
Equal Housing Opportunity. Not a commitment to lend. All loans subject to credit approval.

10/25/2026

DSCR loan explained: buying a rental when your tax returns don't tell the whole story.

Write-offs are smart. They can also make a strong investor look small on paper.

A DSCR loan looks at the property first: the rent compared with its monthly payment, including taxes, insurance and HOA. Lenders typically don't ask for your W-2 or tax returns to qualify. Credit, reserves and the appraisal still count, and many of these loans carry a prepayment penalty, so know your exit before you sign.

Would your next rental qualify on its own rent?

Comment DSCR and I'll walk you through it 👇🏽

AI-generated video and voice.

Fabion Medhanie, NMLS ID # 2002997 | 702-766-7762
MortgagePTSD, powered by Barrett Financial Group, L.L.C., NMLS ID # 181106 (www.nmlsconsumeraccess.org) | barrettfinancial.com
2701 East Insight Way, Suite 150, Chandler, AZ 85286
Licensed in CA, CO, FL, GA, NC, NV, TN, TX, VA. CA: Licensed by the Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act (41DBO-148702). Loans made or arranged pursuant to a California Financing Law License (60DBO-46052).
Equal Housing Opportunity. Not a commitment to lend. All loans subject to credit approval.

10/24/2026

Most veterans get a briefing and a pamphlet. Then nobody walks them through what the home loan benefit actually does, or what each piece means in dollars.

Save this so you have it when you are ready. Send it to the veteran in your life who keeps saying "someday."

Want to see what your benefit covers? Take the 3-minute VA Benefit Check at mortgageptsd.com/va-start or comment VA and I will send it over. 👉🏽

Fabion Medhanie, NMLS ID # 2002997 | 702-766-7762
MortgagePTSD, powered by Barrett Financial Group, L.L.C., NMLS ID # 181106 (www.nmlsconsumeraccess.org) | barrettfinancial.com
2701 East Insight Way, Suite 150, Chandler, AZ 85286
Licensed in CA, CO, FL, GA, NC, NV, TN, TX, VA. CA: Licensed by the Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act (41DBO-148702). Loans made or arranged pursuant to a California Financing Law License (60DBO-46052).
Equal Housing Opportunity. Not a commitment to lend. All loans subject to credit approval.

10/24/2026

Before you sign your Closing Disclosure, know these 3 things 👇🏽

Closing day moves fast. These three slow it down in the right places.

1. Know your rate lock expiration date. Get it in writing.
2. Compare your Closing Disclosure to your Loan Estimate. You get it at least 3 business days before closing.
3. Tell me before you change anything. New job, new car, new card, big deposit. Call first.

Which one did nobody ever tell you? Tell me in the comments.

Follow MortgagePTSD for plain-English mortgage tips every Friday.

Fabion Medhanie, NMLS ID # 2002997 | 702-766-7762
MortgagePTSD, powered by Barrett Financial Group, L.L.C., NMLS ID # 181106 (www.nmlsconsumeraccess.org) | barrettfinancial.com
2701 East Insight Way, Suite 150, Chandler, AZ 85286
Licensed in CA, CO, FL, GA, NC, NV, TN, TX, VA. CA: Licensed by the Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act (41DBO-148702). Loans made or arranged pursuant to a California Financing Law License (60DBO-46052).
Equal Housing Opportunity. Not a commitment to lend. All loans subject to credit approval.

10/23/2026

If you are self-employed, your tax return and your bank account are telling two different stories. Lenders usually only read one of them.

Save this before you apply. Send it to the business owner who got told no.

Comment BANKSTATEMENT and I will send you the document checklist, or book a free 15-minute call (link in bio). 👉🏽

Fabion Medhanie, NMLS ID # 2002997 | 702-766-7762
MortgagePTSD, powered by Barrett Financial Group, L.L.C., NMLS ID # 181106 (www.nmlsconsumeraccess.org) | barrettfinancial.com
2701 East Insight Way, Suite 150, Chandler, AZ 85286
Licensed in CA, CO, FL, GA, NC, NV, TN, TX, VA. CA: Licensed by the Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act (41DBO-148702). Loans made or arranged pursuant to a California Financing Law License (60DBO-46052).
Equal Housing Opportunity. Not a commitment to lend. All loans subject to credit approval.

10/23/2026

VA certificate of eligibility: how to get it, and what it tells a lender.

Your VA loan starts with one document. It's called your Certificate of Eligibility, and it shows three things:
1. That your service earned the benefit
2. Your available entitlement
3. Whether you pay the VA funding fee

Have a VA disability rating? Check that funding fee line before you shop.

Your lender can usually request it for you, or you can request it on VA.gov.

Have you ever read what your COE says?
Comment VA and I'll check yours with you 👇🏽

Educational only. Some images are AI-generated.
Not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.

Fabion Medhanie, NMLS ID # 2002997 | 702-766-7762
MortgagePTSD, powered by Barrett Financial Group, L.L.C., NMLS ID # 181106 (www.nmlsconsumeraccess.org) | barrettfinancial.com
2701 East Insight Way, Suite 150, Chandler, AZ 85286
Licensed in CA, CO, FL, GA, NC, NV, TN, TX, VA. CA: Licensed by the Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act (41DBO-148702). Loans made or arranged pursuant to a California Financing Law License (60DBO-46052).
Equal Housing Opportunity. Not a commitment to lend. All loans subject to credit approval.

10/22/2026

Most renters are not "too broke" to buy. They just never got the real rules explained.

Save this for the day you start looking. Send it to the friend who keeps saying "next year."

Want to know your real number? Book a free 15-minute call (link in bio) or comment FHA and I will send you the checklist. 👉🏽

Fabion Medhanie, NMLS ID # 2002997 | 702-766-7762
MortgagePTSD, powered by Barrett Financial Group, L.L.C., NMLS ID # 181106 (www.nmlsconsumeraccess.org) | barrettfinancial.com
2701 East Insight Way, Suite 150, Chandler, AZ 85286
Licensed in CA, CO, FL, GA, NC, NV, TN, TX, VA. CA: Licensed by the Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act (41DBO-148702). Loans made or arranged pursuant to a California Financing Law License (60DBO-46052).
Equal Housing Opportunity. Not a commitment to lend. All loans subject to credit approval.

10/22/2026

How bank statement loans work, in plain English.

Self-employed and your tax return makes you look like you barely earn anything? That's the write-offs talking, not your business.

Here's how a lender reads your bank statements:
Step 1: 12 or 24 straight months, one account type.
Step 2: Only income deposits count. Transfers between your own accounts, loan money and refunds usually don't.
Step 3: An expense factor, or your CPA's real expense ratio.
Step 4: Big deposits with no paper trail, overdrafts and a downward trend make an underwriter pause.

If an underwriter read your last 12 months tonight, what story would they see?
Comment BANKSTATEMENT and I'll walk through yours with you 👇🏽

Educational only. Requirements vary by lender and program. Some images are AI-generated.

Fabion Medhanie, NMLS ID # 2002997 | 702-766-7762
MortgagePTSD, powered by Barrett Financial Group, L.L.C., NMLS ID # 181106 (www.nmlsconsumeraccess.org) | barrettfinancial.com
2701 East Insight Way, Suite 150, Chandler, AZ 85286
Licensed in CA, CO, FL, GA, NC, NV, TN, TX, VA. CA: Licensed by the Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act (41DBO-148702). Loans made or arranged pursuant to a California Financing Law License (60DBO-46052).
Equal Housing Opportunity. Not a commitment to lend. All loans subject to credit approval.

10/22/2026

The loan is not done when you get approved. It is done when you get the keys.

Save this and keep it until closing day. Send it to someone who just got pre-approved.

Ready to start the right way? Application link in bio, or comment READY and I will reach out. 👉🏽

Fabion Medhanie, NMLS ID # 2002997 | 702-766-7762
MortgagePTSD, powered by Barrett Financial Group, L.L.C., NMLS ID # 181106 (www.nmlsconsumeraccess.org) | barrettfinancial.com
2701 East Insight Way, Suite 150, Chandler, AZ 85286
Licensed in CA, CO, FL, GA, NC, NV, TN, TX, VA. CA: Licensed by the Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act (41DBO-148702). Loans made or arranged pursuant to a California Financing Law License (60DBO-46052).
Equal Housing Opportunity. Not a commitment to lend. All loans subject to credit approval.

Address

Las Vegas, NV

Telephone

+17027667762

Website

http://www.MortgagePTSD.com/

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