Aclara Lending

UPDATED WEEKLY

Weekly Talking Points

Use these weekly talking points to discuss current trends with your clients. Updated weekly to keep your conversations informed and insightful.

  • "Rates have inched up, but they're still below last year's highs."

    Encourage buyers to consider that while rates have risen slightly, they remain favorable compared to previous peaks, making it a good time to explore options.

  • "More homes are hitting the market—let's find the right one before competition increases."

    With inventory on the rise, buyers have more choices now, but increased activity could lead to more competition soon.

  • "We can lock in your rate now and explore options to adjust if rates drop."

    Offer clients the flexibility to secure current rates with the possibility to refinance or adjust if rates decrease in the future.

  • "Today’s market offers leverage, let’s use it to your advantage.”

    Sellers are more open to negotiation. Use this moment to secure perks like rate buydowns, price reductions, or closing cost credits before competition heats up.

LEARN ABOUT DAILY CHANGES

Mortgage Rate Chart

Most important point: the best use of this index is to track the CHANGE from day to day. There are so many things that can cause discrepancies between borrowers, lenders, and quotes. But because we use the same baseline scenario year after year, you can be sure that the CHANGE is a good representation of how rates are moving. Please reach out for any questions! : )

CALCULATE YOUR SAVINGS

Mortgage Calculator

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Meet the Team

Michael King

Team Lead | Mortgage Loan Originator

NMLS #1993915

Barrett Financial Group, LLC | Corp NMLS #181106275

Michael King, a seasoned mortgage broker, specializes in residential and luxury markets. With experience at Louis Vuitton, he blends industry expertise with a client-first approach. Known for his diligence and attention to detail, Michael ensures a seamless and rewarding home-buying experience.

Lonnie Wilborn Jr.

Team Lead | Mortgage Loan Originator

NMLS #1570171

Barrett Financial Group, LLC | Corp NMLS #181106275

Lonnie Wilborn Jr., a dedicated loan officer with over a decade of experience, specializes in residential mortgages and refinances. Since 2014, he has helped clients navigate home financing with personalized guidance, ensuring a smooth and stress-free loan process.

Brianna Garcia

Mortgage Loan Originator

NMLS #2071170

Barrett Financial Group, LLC | Corp NMLS #181106275

Brianna Garcia started in the mortgage industry in 2020 and quickly discovered a passion for helping people achieve homeownership. Rooted in family values, she brings empathy, integrity, and clear communication to every client, making the process smooth, informed, and stress-free.

Tamara Kammo

Mortgage Loan Originator

NMLS #2473496

Barrett Financial Group, LLC | Corp NMLS #181106275

Tamara Kammo is a dedicated loan officer passionate about helping clients achieve homeownership. Known for her professionalism and clear communication, she delivers a smooth, personalized mortgage experience tailored to each client.

Thuysi Nguyen

Mortgage Loan Originator

NMLS #2026674

Barrett Financial Group, LLC | Corp NMLS #181106275

Thuysi Nguyen is a dedicated mortgage professional committed to helping clients achieve homeownership and financial freedom. He ensures smooth closings with tailored loan solutions, competitive rates, and a client-first approach.

Kal Wayman

Mortgage Loan Originator

NMLS #23076

Barrett Financial Group, LLC | Corp NMLS #181106275

Kal Wayman is a mortgage expert with 20+ years of experience and over $1 billion in funded loans. Based in Malibu, he’s the in-house lender for Smith & Berg Partners, known for his market insight and creative, client-focused approach.

Miren Karmele Alvarez

Mortgage Loan Originator

NMLS #2026674

Barrett Financial Group, LLC | Corp NMLS #181106275

Miren Karmele Alvarez is a mortgage advisor with 20+ years in real estate and lending. She delivers personalized solutions, simplifies the mortgage process, and builds lasting relationships based on trust.

Logan Padilla

Mortgage Loan Originator

NMLS #2016247

Barrett Financial Group, LLC | Corp NMLS #181106275

Logan Padilla has 14 years of experience in real estate and lending, starting as a realtor in NYC and LA. He now provides tailored mortgage solutions, offering creative options and expert guidance to ensure a smooth, rewarding experience for every client.

Crystal Tello

Mortgage Loan Originator

NMLS #2056457

Barrett Financial Group, LLC | Corp NMLS #181106275

Crystal Tello is a detail-oriented loan officer focused on simplifying the mortgage process. With expertise in conventional and luxury financing, she offers clear guidance and personalized support every step of the way.

Martene Nadeau

Mortgage Loan Originator

NMLS #1145632

Barrett Financial Group, LLC | Corp NMLS #181106275

Martene, a Roswell native and local mortgage broker, helps clients across Greater Atlanta achieve their dream of homeownership. With years of experience, she tailors loan packages to each buyer—offering competitive rates, quick closings, and expert guidance from start to finish.

Dan Harrington

Mortgage Loan Originator

NMLS #249667

Barrett Financial Group, LLC | Corp NMLS #181106275

Dan Harrington brings 20+ years of mortgage experience in Los Angeles, specializing in tailored solutions for all loan types. Known for clear guidance and personalized service, he ensures smooth, timely closings with integrity and expertise.

Call 800.520.2340

Aclara Lending Powered By Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AL 22977 | AK AK181106 | AZ 0904774 | AR 124815 | 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 | CO | CT ML-181106 | DE 029971 | DC MLB181106 | FL MLD1880 | GA 181106 | HI 181106 | ID 2080181106 | IL MB.6761630 view reinvestment notice barrettfinancial.com/illinois-reinvestment | IN 181106 | IA 2021-0157 | KS MC.0025726 | KY MB757252 & MC763707 | LA | ME 181106 | MD 181106 | MA MC181106 & MC181106 | MI fl0022342 | MN MN-MO-181106 | MS 181106 | MO 181106 | MT 181106 | NE | NV 5091 | NH 24338-MBR | NJ | NM | NC B-203722 | ND MB103863 | OH RM.804600.000 | OK ML013880 | OR | PA 92105 | RI 20224347LB | SC MLS – 181106 | SD ML.05340 | TN 204577 | TX view complaint policy at barrettfinancial.com/texas-complaint | UT 11368611 | VT LL-181106 & MB-181106 | VA MC-7357 & MC-7357 | WA MB-181106 | WV MB-181106 & ML-181106 | WI 181106BA & 181106BR | WY 4211 | Equal Housing Opportunity | *This is not a commitment to lend. All loans are subject to credit approval. Barrett Financial Group, L.L.C. is not affiliated with or endorsed by any government entity or agency. By refinancing, finance charges may be higher over the life of the loan. | Privacy Policy | NMLS Consumer Access