Barnes Mortgage Team

Barnes Mortgage Team The Barnes Team:
Trisha Barnes (NMLS # 1187276)
Chris Barnes (NMLS # 1179666)
https://paa.ge/barnesmortgageteam Member FDIC.
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With more than 25 years of experience, we pride ourselves on customer service, as we are aware that each loan is as different as each person. Whether you're buying, refinancing, or building your dream home, you have a lot riding on your mortgage team. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate loan advice. We have the expertise and knowledge you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal, and we are committed to providing our clients with mortgage services that exceed their expectations. This is not a commitment to lend or extend credit. All loans are subject to credit approval including credit worthiness, insurability, and ability to provide acceptable collateral. Not all loans or products are available in all states or counties. Novus Home Mortgage a division of Ixonia Bank NMLS #423065.

Edmond buyers, purchasing with another person can change the mortgage conversation.The lender may review income, credit,...
08/28/2026

Edmond buyers, purchasing with another person can change the mortgage conversation.

The lender may review income, credit, debts, assets, employment, and documentation for each borrower on the loan.

Sometimes adding a co-buyer helps. Other times, it changes the numbers in a way buyers did not expect.

Message me if you want help reviewing how a co-buyer could affect your mortgage plan. ⁣
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Yukon buyers, student loans can affect your mortgage numbers even if the payment feels manageable.Depending on the loan ...
08/26/2026

Yukon buyers, student loans can affect your mortgage numbers even if the payment feels manageable.

Depending on the loan program, deferred loans, income-based payments, or reported monthly amounts may be reviewed differently.

The important part is making sure the lender is using the right calculation before you make big housing decisions.

Message me if you want help reviewing how student loans may affect your mortgage options. ⁣
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Oklahoma City buyers, if someone is helping with funds for your purchase, do not move the money randomly without asking ...
08/24/2026

Oklahoma City buyers, if someone is helping with funds for your purchase, do not move the money randomly without asking first.

Gift funds may need a clear letter, account documentation, transfer records, and proof of where the money came from.

That does not mean gift funds are a problem. It just means the process needs to be documented correctly.

Message me if you want help understanding how gift funds may fit into your mortgage plan. ⁣
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Edmond buyers, the numbers you see early in the process may not be the final numbers at closing.Taxes, insurance, prepai...
08/21/2026

Edmond buyers, the numbers you see early in the process may not be the final numbers at closing.

Taxes, insurance, prepaid interest, escrow deposits, credits, and title fees can adjust as the file gets closer to the finish line.

That is why the final closing disclosure matters.

Before you sign, make sure you understand what changed, why it changed, and what your actual cash-to-close looks like.

Message me if you want help reviewing how final mortgage numbers can come together. ⁣
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Yukon sellers, your mortgage payoff is not always the same number as your current loan balance.The final payoff can incl...
08/19/2026

Yukon sellers, your mortgage payoff is not always the same number as your current loan balance.

The final payoff can include interest through a specific date, fees, escrow details, and timing adjustments.

If you are selling one home and buying another, that payoff number can affect how much cash is available for your next move.

Message me if you want help understanding how payoff timing can connect to your next mortgage plan. ⁣
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Oklahoma City buyers and sellers, title work is one of those closing details people do not always think about early.But ...
08/17/2026

Oklahoma City buyers and sellers, title work is one of those closing details people do not always think about early.

But it matters.

Liens, payoff balances, ownership records, missing signatures, or old paperwork issues can all affect how smoothly a transaction moves.

The mortgage process works better when the title side and loan side stay aligned before closing.

Message me if you want help understanding how title details can affect your summer mortgage timeline. ⁣
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Edmond buyers, relocation costs can add up quickly during a summer move.Moving services, deposits, temporary housing, tr...
08/14/2026

Edmond buyers, relocation costs can add up quickly during a summer move.

Moving services, deposits, temporary housing, travel, storage, utility setup, and overlap between homes may all affect your available cash.

Those items may not be part of the mortgage payment, but they still matter to your full financial comfort.

Message me if you want help reviewing the full cash picture before you relocate. ⁣
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Yukon buyers, a summer job transfer can bring new opportunities and new mortgage details.Offer letters, transfer documen...
08/12/2026

Yukon buyers, a summer job transfer can bring new opportunities and new mortgage details.

Offer letters, transfer documentation, pay structure, start dates, and employment history may all matter when the loan file is reviewed.

Before you make a housing decision, make sure the income story is clear.

Message me if you want help reviewing how a job transfer may affect your mortgage options. ⁣
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Address

801 N. Mustang Road, Ste B
Yukon, OK
73099

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