The Mortgage Maven

The Mortgage Maven I'm a Certified Mortgage Advisor (CMA) and wholesale mortgage broker with outstanding service with faster, easier, cheaper financing for all loan types!

A mortgage is more than a home loan, it should be used as a financial tool to strategically gain greater wealth. The best rate with the wrong strategy is more expensive than a competitive rate with an expert wholesale mortgage advisor.

🇺🇸 GOOD NEWS FOR VETERANS 🇺🇸VA funding fees are again tax deductible beginning in 2026 for eligible borrowers.Many veter...
06/05/2026

🇺🇸 GOOD NEWS FOR VETERANS 🇺🇸

VA funding fees are again tax deductible beginning in 2026 for eligible borrowers.

Many veterans don’t realize this deduction, which previously expired in 2021, has been revived by Congress for 2026, potentially allowing qualifying homeowners to deduct thousands of dollars in VA funding fees paid on their home loan.

What is the VA funding fee?

The VA funding fee is a one-time fee charged on most VA loans that helps keep the VA loan program running for future veterans. In many cases, borrowers finance the fee into their loan rather than paying it out of pocket.

Potential benefits of the renewed deduction:
✅ Reduce taxable income
✅ Potentially lower your tax bill
✅ Keep more of what you earn
✅ Added savings for VA homeowners

A few important things to know:

⚠️ Income limits may apply
⚠️ Deductibility may phase out at higher income levels
⚠️ Always consult your CPA or tax advisor for personal tax guidance

How to find your VA funding fee amount:

📌 Check your Closing Disclosure (CD) from your home purchase or refinance
📌 Look for “VA Funding Fee” in your loan costs section
📌 Your lender or mortgage servicer may also be able to help you locate it

For many veterans, the funding fee can range from several thousand dollars to well over $10,000 depending on loan size, down payment, and prior VA loan usage — so this deduction could become meaningful for qualifying households.

As always, my goal is to help veterans and military families stay informed so they can make smart long-term financial decisions.

Ashley Collier
The Mortgage Maven
Barrett Financial Group
NMLS #1869060
📞 801-706-2929
🌐 www.themortgagemaven.com

🇺🇸 VETERANS, DID YOU KNOW….The Veterans Benefits Expansion Act has passed the House and is now heading to the U.S. Senat...
06/04/2026

🇺🇸 VETERANS, DID YOU KNOW….

The Veterans Benefits Expansion Act has passed the House and is now heading to the U.S. Senate for review and vote.

This bill could create meaningful new benefits for some veterans and surviving families — but it may also increase certain VA loan costs for military borrowers.

Here are some of the key highlights:

✅ Additional support for severely disabled veterans requiring full-time care
✅ Increased benefits for some surviving spouses and families
✅ Expanded VA home loan eligibility for some Guard & Reserve members

Potential trade-offs being discussed:

⚠️ IRRRL (VA Streamline Refinance) funding fee could increase from 0.50% to 1.42%
⚠️ VA loan assumption fee could increase from 0.50% to 1.00%
⚠️ Current VA funding fee schedules could be extended through 2036

Stay informed about legislation that could impact your benefits and VA loan options.

As always, I believe military families deserve transparency, education, and honest guidance when making financial decisions.

Ashley Collier
The Mortgage Maven
Barrett Financial Group
NMLS #1869060
📞 801-706-2929
🌐 www.themortgagemaven.com

4 MONEY MISTAKES FIRST-TIME BUYER MAKE (AND HOW TO AVOID THEM)Before closing day, small money mistakes can turn into big...
06/04/2026

4 MONEY MISTAKES FIRST-TIME BUYER MAKE (AND HOW TO AVOID THEM)

Before closing day, small money mistakes can turn into big delays. Watch out for things like new credit inquiries, large purchases, changing jobs, or moving money around without documentation. Remember to stay steady, keep things consistent, and reach out if you’re unsure about anything that could impact your approval.

🇺🇸 VA HOMEOWNERS: You May Have More Options Than You Think If you’ve fallen behind on your mortgage due to hardship, the...
06/03/2026

🇺🇸 VA HOMEOWNERS: You May Have More Options Than You Think

If you’ve fallen behind on your mortgage due to hardship, the VA has programs designed to help veterans stay in their homes and avoid foreclosure.

One option may allow the VA to:
✅ Bring your mortgage current
✅ Help you avoid foreclosure
✅ Preserve your existing low interest rate
✅ Create a separate 0% interest deferred balance

In many cases, there are:
✔ No immediate repayment requirements
✔ No interest charged on the deferred amount
✔ No need to refinance into today’s higher rates

Too many veterans don’t realize these options exist — or they wait too long to ask for help.

As someone who works hard to protect military families from being overcharged, over-refinanced, or pushed into bad financial decisions, I believe education matters.

Your mortgage should support your long-term financial future — and so should your mortgage broker!

If you’re struggling with payments or simply want guidance on your VA loan options, I’m happy to help point you in the right direction.

Ashley Collier
The Mortgage Maven
Barrett Financial Group
NMLS #1869060
📞 801-706-2929



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🇺🇸 VA Loans Done Right 🇺🇸Our veterans and military families deserve better than overpriced loans, unnecessary refinances...
06/02/2026

🇺🇸 VA Loans Done Right 🇺🇸

Our veterans and military families deserve better than overpriced loans, unnecessary refinances, and lenders focused more on commissions than people.

That’s why I do things differently.

✅ Lower Fees
✅ Faster Closings
✅ Strategic Mortgage Guidance
✅ Long-Term Financial Planning

I believe VA loans should be:
✔ Easier
✔ Faster
✔ More affordable

I treat my clients’ finances like they’re my own family’s finances — because trust matters.

My goal isn’t just one transaction.
It’s building lifelong relationships, protecting your financial future, and becoming the lender you confidently refer to friends and family for years to come.

If you’re active duty or a veteran, let’s create a mortgage strategy that truly puts YOUR best interest first — always.

Ashley Collier
The Mortgage Maven
Barrett Financial Group
NMLS #1869060
📞 801-706-2929



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06/02/2026

Mortgage Market Update
Monday, June 1st 2026

Also, more conventional condo loans will be denied after August 3, 2026 due to Fannie Mae and Freddie Mac changes. Now the buyer and property aren’t the only ones who have to qualify, so does the HOA! Contact me to avoid a catastrophe!

Let’s make dreams happen! 👊
05/28/2026

Let’s make dreams happen! 👊

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Mesa, AZ

Telephone

+18017062929

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