Home
Buy
Refinance
Rates
Contact
1,969
Families Helped
Since Aug 2016
$831M+
Mortgages Closed
Since Aug 2016
4.97★
1,117 Verified
Client Reviews

Why Choose Us

  • ✓175+ Lenders: More options = better rates
  • ✓Low-Cost Model: Pass savings to you
  • ✓Lightning-Fast Closes: Service with Speed
  • ✓Broker Advantage: We work for you, not banks

Quick Links

  • Calculators
  • Today's Rates
  • Loan Programs
  • Homebuyer Hub
  • Refinance Center
  • Licensed States

Resources

  • Licensing Info
  • Disclosures
  • Privacy Policy
  • Privacy Choices
  • Cookie Policy
  • Terms of Service
  • Accessibility
  • E‑Sign Consent
  • SMS Terms

Contact Us

Phone

(425) 455-4663

Email

homeseed@barrettfinancial.com

Hours

Mon-Fri 9am-5pm; after-hours by request

Important Disclosures

Homeseed Lending Team
Licensed mortgage brokers powered by
Power plug
Barrett Financial Group, L.L.C.NMLS #181106View on NMLS Consumer Access Website →
Licensed in
AZ, CA, OR, TX, WA
Barrett Financial Group is licensed in additional states. Licensing available upon request.
View Licensing Details →
Homeseed Lending Team Contact Info

Email: homeseed@barrettfinancial.com

Phone: (425) 455-4663

Fax: (425) 663-7920

Corporate/Branch Contact Info

Address: 2701 East Insight Way, Suite 150, Chandler, AZ 85286

Email: loans@barrettfinancial.com

Phone: (480) 459-4500

Visit Barrett Financial Website →

Information provided is for educational purposes only and is not a commitment to lend. All loans subject to underwriting approval. Rates and terms subject to change. Equal Housing Lender. Equal Housing Opportunity.

Equal Housing LenderEqual Housing Opportunity

© 2026 Homeseed Lending Team

This site uses cookies for analytics and performance. Privacy Policy · Do Not Sell or Share My Personal Information

Admin

Your Refinance Center

Compare rate, cash-out, and term scenarios from 175+ lenders

OptionsOptionsProcessProcessDocsDocumentsReviewsReviewsCalcCalculatorFAQsFAQs
Refinance Benefits

Why Refinance with Homeseed

Explore today's rates through our network of 175+ lenders

Potential
Savings

Potentially Lower Your Rate

Explore today's rates to see if you could reduce your monthly payment.

Cash
Out Options

Access Your Equity

Tap into your home's value for home improvements or other needs.

Flexible
Terms

Adjust Your Term

Consider a shorter or longer term based on your financial goals.

Explore
Options

Consolidate Debt

Explore using home equity to potentially reduce overall interest costs.

Refinance Options

Choose Your Refinance Strategy

Every homeowner's situation is unique. Find the perfect refinance option tailored to your goals.

Lower Your Rate

Rate & Term Refinance

Lower your interest rate or change your loan term without taking cash out.

Reduce monthly payment
Switch from ARM to fixed
Remove PMI with 20% equity
Most Popular
Up to 80% LTV

Cash-Out Refinance

Access your home's equity while potentially lowering your rate.

Get up to 80% of home value
Pay off high-interest debt
Fund home improvements
Fast-Track

Streamline Refinance

Fast-track refinancing for FHA, VA, and USDA loans.

No appraisal required
Minimal documentation
Efficient closing process
Flexible Access

HELOC & Home Equity

Flexible credit line or fixed loan using your home equity.

Draw funds as needed
Keep your first mortgage
Interest-only options

Not sure which option is right for you?

Our experts can help you find the perfect fit

The Process

Simple Refinance Process

From application to closing in 30 days or less. We handle the complex parts so you can focus on your savings.

1

Free Analysis

Review your current loan and calculate potential savings with no obligation.

2

Compare Options

See personalized quotes from 175+ lenders side-by-side.

3

Simple Application

Complete your application online at your convenience.

4

Close Your Loan

Finalize your new loan terms and complete the refinance process.

Ready to Begin Your Refinance Journey?

Potentially save thousands* with today's rates

*Savings vary by individual situation. Up to two payments may be financed into the loan.

Your Personalized Document List

Refinance•Quick questions to build your custom document checklist

Question 2 of 10

Building your checklist
10%
complete

What best describes your employment situation?

Select all that apply

Verified Refinance Reviews

Refinance Success Stories

Real savings from homeowners who lowered their rates and monthly payments

4.97/5

Based on 1,117 verified reviews

100% Verified Reviews
Google logo
4.97

149 reviews

Zillow logo
5.00

112 reviews

Experience.com logo
4.97

856 reviews

Chandima B review on Experience.com

Verified

Chandima B

Monroe, WA

Jeff clearly explained the refinancing process and provided a smooth experience.

Experience.com logo

Chandima Bandara review on Zillow

Verified

Chandima Bandara

Monroe, WA

Reached out to Barrett Financial Group to refinance our mortgage. Jeff found us the best rates and guided us through the refinance process, making it smooth and easy.

Zillow logo

Chandima B review on Experience.com

Verified

Chandima B

Monroe, WA

Excellent refinance experience; the team went above and beyond to help.

Experience.com logo

Nick C review on Experience.com

Verified

Nick C

Lake Stevens, WA

Monitored the market and provided guidance; used him for purchase and refinance.

Experience.com logo

Shelby G review on Experience.com

Verified

Shelby G

Lodi, CA

The team made the process simple and looked out for me to achieve the best possible interest rate; they communicated well.

Experience.com logo

Wojciech H S review on Experience.com

Verified

Wojciech H S

Bonney Lake, WA

Tal vez un poco más competitiva tasa de interés sería bueno (perhaps a more competitive interest rate would be good).

Experience.com logo

Joseph M C review on Experience.com

Verified

Joseph M C

Fountain Hills, AZ

Once a competitive rate was provided, it was a pleasure working with the Homeseed team.

Experience.com logo

Sara S review on Experience.com

Verified

Sara S

Maple Valley, WA

Willing to go to bat for us to match a competitor’s lower rate!

Experience.com logo

Deborah Cervantes review on Zillow

Verified

Deborah Cervantes

Tacoma, WA

Robert Garrod and his team guided me through the process with patience and were always available, achieving a great interest rate.

Zillow logo

Winston B. review on Google

Verified

Winston B.

Homeseed was great to work with. The one thing I would like to mention is that they did not catch was the housing rate. Our closing date had to be bumped up two times which is really upsetting. Maybe these things happen, but you would think that they should have caught it early on after the fact that all documents had been signed. All things aside, we moved forward and was able to take care of it.

Google logo

Christy Schiffler review on Google

Verified

Christy Schiffler

Great people, attentive on most things. But demand your rate is locked immediately.

Google logo

Nena review on Zillow

Verified

Nena

Stanwood, WA

Recommended by our realtor; Robert walked us through each step, kept us updated, and got us a lower rate than expected.

Zillow logo

Tiffany F review on Experience.com

Verified

Tiffany F

Belfair, WA

Helped with two home purchases and several refinances; very knowledgeable and goes the extra mile.

Experience.com logo

Oussama Alkhalili review on Google

Verified

Oussama Alkhalili

Our experience with Mac was direct and very friendly. He took our interest very personal and worked with realtor to ensure that we were able to get the house at the rate we aimed for.

Google logo

Lucas Weeks review on Google

Verified

Lucas Weeks

Mitch’s team was able to close my home purchase far ahead of the expected closing date while being able to support any questions I had throughout the entire process. I would recommend them to anyone looking to purchase or refinance.

Google logo

gerald g review on Google

Verified

gerald g

If there is problem children, it would definitely be us. From the start of the loan, during our loan signing, to post closing, I contacted Steven with questions. He was always readily available and willing to answer any/all questions I had. Most of our phone calls was easily over an hour, during weekends, which speaks volume about Steven. We inquired with four Lenders and Steven always came up on top. He would give his best opinion and confirm what indeed was true and false. He was accurate with estimates and held his word when there was clarifications he was working on. If you are looking for honesty or for someone to lookout for your best interest, Steven is your Lender! He has an amazing team behind him, who reach out to you with weekly updates. We will continue to do business with Steven and would recommend him to our friends and family. Thank you Steven and the Homeseed Team, we genuinely appreciate you!

Google logo

Ana Arevalo review on Google

Verified

Ana Arevalo

I worked with the Juan on the purchase of my first home. The level of care, attention to detail, and professionalism demonstrated by him and his team far surpassed my expectations. As a first-time home buyer, I really appreciated the help the gave me throughout the mortgage process. His team stays on top of every detail and is there for you every step of the way to answer any questions and address any concerns. I highly recommend homeseed and their team

Google logo

Nic D review on Experience.com

Verified

Nic D

Supportive and knowledgeable; helped secure a good rate despite market challenges.

Experience.com logo

Emily Truong review on Google

Verified

Emily Truong

Brody and his team made our refi seamless. I appreciate that the bulk of the transaction was able to be done via the online portal - making the process easy and efficient. Communication was friendly, helpful, and prompt!

Google logo

Maria Maria review on Google

Verified

Maria Maria

I highly recommend Homeseed for home loans or refinancing. They have great rates and you can be assured that they will act on your behalf. They handled our home loan and then twice refinanced with them. Robert and his team are very professional, helpful, and quick to respond.

Google logo

Laura Pina review on Google

Verified

Laura Pina

We are first time homebuyers. Chris de Leon was considerate and patient with all our questions. Never pushed us into anything we were not ready to take on. In fact, we met with him about 2 years ago, he spent more than an hour walking us line by line about every expense and procedure that comes with taking on a home loan. It helped us understand and be prepared. We had to wait for two years, but now we were ready. The process of requesting the loan was seamless because Chris had prepared us. Furthermore, he always made himself available for any questions and checked in on us throughout the home-buying process.

Google logo

Jim Gratton review on Google

Verified

Jim Gratton

As a Realtor, I highly recommend Robert Garrod at Homeseed. I've worked with him with my buyers and with my own refi's. He's incredibly knowledgeable about all aspects of the mortgage business. But beyond that, he makes a complex process easier, keeping clients informed on every step. He's quick to respond to any question and to offer solutions to what seem like roadblocks.

Google logo

Lizbeth Loreto, Real Estate Broker review on Google

Verified

Lizbeth Loreto, Real Estate Broker

I had an amazing experience with my Refinance, I took advantage of the amazingly low interest rates , Juan Carlos Baltazar guided me in the right direction for the best program for my needs, he was always there explaining the progress and provided me with all the information I needed to make the right decision at the right time. Awesome interest rate!!! I am glad I took advantage of the market and incredibly happy to have him as my advisor and my lender forever. I recommend him to everyone! He has all types of programs.

Google logo

Mechelle Augustin review on Google

Verified

Mechelle Augustin

Chris is the best of the best! He is clear and realistic with expectations and makes the home purchase and refinance process seamless for his customers. We will continue to use Chris over the years and highly recommend his services!

Google logo

Julaine M Brandsoy review on Google

Verified

Julaine M Brandsoy

Chris was always available to answer all of our questions and clearly communicated every step of the way. He worked to get us an amazing interest rate and made purchasing our new house so easy.

Google logo

Jovany Bermudez review on Google

Verified

Jovany Bermudez

Juan Carlos was great, I was lucky that he was part of our closing. Very knowledgeable and friendly. Kept is well informed and got a great rate. I'll recommend him anytime.

Google logo

Aaron A review on Zillow

Verified

Aaron A

Lake Tapps, WA

Stress‑free and knowledgeable team; quick, pleasant loan process; used them twice for purchase and refinance and would do it again.

Zillow logo

mukilteo condo review on Google

Verified

mukilteo condo

Amazing team! Got me the rates I wanted.

Google logo

Michael Clawson review on Google

Verified

Michael Clawson

Just did a refi with them. Chris de Leon made everything so easy. Their friendly communication and right balance of reminders and patience really did it for us. Would highly recommend.

Google logo

Brittney Thomas review on Google

Verified

Brittney Thomas

Outstanding customer service! This was my first time buying a home and the whole process was daunting, but Sarah and Angela at Homeseed loan were there through each step - answering questions and at times even taking calls or texts on the weekends. Covid19 put a lot of restrictions on a lot of businesses, however, this lender didn’t skip a beat with their support OR communication! They helped me get locked into a great rate as well. I am very pleased I stumbled upon them!

Google logo
Refinance Calculator

Calculate Your Refinance Savings

Use our interactive calculator to see how much you could save by refinancing. Compare your current loan with new rates and terms.

Rate Impact

A 0.5% rate drop can save you $150+ per month

Break-Even

Most refinances pay for themselves in 18-24 months

Cash-Out Tip

Access up to 80% of your home's value

Our Track Record

Trusted by Thousands of Families

Since August 2016, we've helped families achieve their homeownership dreams

0
Loans Closed
Families helped into homes
$0M
Total Funded
In mortgage financing
Service with Speed
Lightning-Fast Closes
Fast, efficient closings
Since August 2016|175+ Lending Partners|Low-Cost Model
Get Your Questions Answered

Refinance FAQs

Everything you need to know about refinancing your home, from timing to savings

Frequently Asked Questions

⌘K

When to Refi

6 questions

Savings & Costs

6 questions

Process

7 questions