MortgageDadof3 NMLS #190260

MortgageDadof3 NMLS #190260 Joshua Dobson, NMLS # 190260
Barrett Financial Group, L.L.C. | NMLS #181106
Text or call (209) 975-4989 I don't stop helping once they get their keys.

Hello, I'm Josh aka MortgageDadof3
I've been doing this mortgage thing for over 20 years. Straight out of college, after obtaining my Bachelors in Economics and Political Science from the Univesity of California - San Diego, I started working with my family in the business and I haven't stopped. I am a husband and the father of three beautiful daughters with 3 crazy dogs and a cat. I enjoy helping

those who don't normally have someone champion their homeownership dreams. I build long lasting relationships with my family of home owners and future home owners. I am their go-to person for life when it comes to home financing. I find balance on the soccer field watching my daughters play at a competition level and help coach a couple of their teams. My oldest daughter just started playing comp volleyball so our schedules are crazy. My girls and my wife are the reason I hustle everyday to do what I can to make homeownership possible. Joshua Dobson | NMLS #190260 | 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. | 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


All Rights Reserved. (209) 988-9284 NMLS #190260 www.nmlsconsumeraccess.org
This advertisement does not constitute a loan approval or loan commitment. Loan Approval and/or loan commitment is subject to final underwriting review and approval.

06/15/2026

Most people buy a home based on what the bank says they can afford.

That’s backwards.

If I was buying a home today, I’d focus on protecting my monthly budget and keeping more cash in my pocket.

Here’s what I’d do:

✅ Negotiate a permanent rate buydown

✅ Have the seller pay my closing costs

✅ Keep my savings instead of automatically putting 20% down

✅ Buy based on my comfort level—not my approval amount

The goal isn’t just becoming a homeowner.

The goal is becoming a homeowner WITHOUT sacrificing family vacations, date nights, retirement savings, or your peace of mind.

Too many people become house poor chasing the biggest house they can qualify for.

Financial freedom > bragging rights.

Would you rather have a bigger house or a bigger savings account?

👇 Tell me in the comments.

📩 DM me “READY” and I’ll show you what buying could look like based on YOUR budget—not the bank’s.

06/12/2026

Everyone’s focused on one thing…When will rates drop?

But that’s the wrong question.

The buyers winning right now aren’t sitting around refreshing mortgage rate headlines every morning.

They’re negotiating.

While everyone else waits for the “perfect” rate, they’re asking sellers to help buy down their interest rate and lower their monthly payment TODAY.

Meanwhile:
📈 Home prices could keep rising.
📉 Rates may not fall as much as people expect.

The real advantage isn’t timing the market.

It’s knowing how to structure the deal.

If you’re thinking about buying this year, let’s build a strategy around today’s market instead of waiting for tomorrow’s headlines.

Comment INFO and I’ll show you how buyers are getting rates below 6% right now.

06/11/2026

Downpayment Assistance is not a dirty secret… most banks don’t offer them and many lenders don’t like to do them and only have limited access.

If you can afford to buy a house in 2026 you don’t need to have saved for a 20% downpayment…

Instead…DM or Comment “DPA” and let’s review your options in your state…

Helping homebuyers in 49 States.

05/26/2026

Everybody keeps saying:
“I’m waiting for rates to drop.”

But here’s the problem… 👇

While buyers wait for the “perfect” rate, home prices can keep climbing and competition can come roaring back.

Meanwhile, smart buyers are negotiating seller credits to BUY DOWN their interest rate today.

That means:
✅ Lower monthly payment
✅ Less competition
✅ More negotiating power
✅ Potentially getting a rate lower than what experts are predicting soon

Most first-time buyers don’t even realize this strategy exists.

The goal isn’t timing the market perfectly.
The goal is getting IN the market and building wealth while everyone else sits on the sidelines.

If you’re tired of waiting and want to see what buying could actually look like for you…

Comment INFO or DM me “INFO” and I’ll help you build a game plan.

05/21/2026

🚨 FHA may be changing the game for first-time homebuyers… and most people don’t even realize it yet.

For years, buyers were denied because traditional credit scores didn’t tell the full story.

Now FHA is looking at newer credit scoring models that may include:
✔️ Rent payments
✔️ Utility history
✔️ Real-life payment habits

So if you’ve been paying your rent on time every month but felt stuck renting… this could be HUGE.

Because if you can afford $2,500/month in rent, why shouldn’t that help you qualify for a home?

This could open doors for more first-time buyers, self-employed borrowers, and people who were overlooked by the old system.

But getting approved still comes down to strategy, positioning, and knowing your options before you apply.

DM me “PREAPPROVED” and I’ll break down what this could mean for you 👇

05/20/2026

Your first home doesn’t need to be your dream home… it just needs to be your starting point. 🏡

Too many first-time buyers think they have to wait until they can afford the “perfect” house. Meanwhile, homeowners are building equity, gaining tax advantages, and moving closer to the home they actually want long term.

Most dream homes are built in steps:
➡️ Buy the starter home
➡️ Build equity
➡️ Refinance or sell
➡️ Upgrade
➡️ Repeat

That’s how wealth gets built in real life.

The goal isn’t perfection on Day 1.
The goal is getting in the game. 💰

Comment STARTER and I’ll help you figure out what buying your first home could realistically look like.

05/19/2026

Everyone says “marry the house, date the rate”… but what if we focused on lowering the PAYMENT instead? 👀🏡

Two strategies more buyers should know about right now:

✅ Permanent rate buydowns — lower your interest rate for the LIFE of the loan✅ Buying out mortgage insurance — potentially reduce your payment even more on conventional loans

In many cases, sellers can even help cover these costs.

The right loan strategy can make buying a home WAY more affordable in today’s market.

Comment “HOME” or send me a DM and let’s figure out the best plan for you. 📩

05/15/2026

I’m getting flooded with questions about our 100% FHA home loan program, so here’s the breakdown 👇

✅ FHA loan + Chenoa assistance✅ 0% down payment options✅ NOT just for first-time buyers✅ 600+ credit score✅ NO income limits✅ Available in almost every state 🇺🇸

There are currently TWO assistance options:🏡 3.5% assistance🏡 5% assistance

If you’ve been waiting to buy because of down payment costs… this could be the program that changes everything.

📩 DM me “100” and I’ll send you the details.

Address

Modesto, CA

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+12099754989

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