California Mortgage Broker for Every Loan Situation

California mortgage broker Ted Erickson lives in Novato and arranges purchase, refinance, cash-out, DSCR and bank statement loans for borrowers in Marin, Sonoma County and across California.

Get My Options Call (415) 717-0477

5.0 Google Rating

NMLS #223442

24 Years Closing Loans

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The wrong lender can cost you the house.

One missed detail, like income that doesn’t fit a bank’s box, a credit hiccup or a slow underwriter, can kill a deal days before closing. As a broker, Ted shops your loan across lenders instead of forcing it into one bank’s rules.

Ted helps buyers, homeowners, self-employed borrowers and real estate investors:

  • No one-size-fits-all programs
  • Clear updates from application to closing

Just straight answers from a loan officer with 24 years in the business.

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Shops many lenders

Hard loans welcome

Clear communication

Licensed in California

Mortgage Loans for Every Situation

Buying, refinancing or investing, Ted matches your loan to the program that fits, not the one a single bank happens to offer.

Loans for Homeowners

Purchase Loans

Refinance

Cash-Out Refinance

FHA and VA Loans

Jumbo Loans

Bank-Statement Loans

Loans for Investors and Hard Files

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  • I worked with Ted Erickson from Barrett Financial Group to secure financing for a home loan in Marin… there were some tricky spots and complications for my loan application. However, that did not stop or hinder Ted. He worked tirelessly to help me be approved, found great solutions to any issues… and he was there every step of the way.
    Gavin B., Google review

From application to closing, without the stress

1. Tell Ted Your Goal

A quick call to understand your situation, your timeline and what matters most to you.

2. Ted Shops Your Loan

As a broker, Ted compares programs across lenders and finds the structure that fits your file.

3. Close With Confidence

Clear updates from application to closing, so nothing catches you off guard.

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5.0 on Google 16 Google reviews NMLS #223442 24 years closing loans

Google Reviews

What borrowers say about Ted

★★★★★

“Two other lenders tried to fund our loan and failed. Time was running out, and the whole transaction felt stuck… He looked at the file, asked good questions, and found a path forward that the others missed… We closed on time, and the stress dropped the moment he took over.”

Richard D. · via Google
Read all reviews on Google

Real Loan Saves for Marin and Sonoma Borrowers

Real outcomes from Ted's Google reviews. Read each full review on Google.

  • Two lenders failed. Closed on time.

    Two other lenders tried to fund our loan and failed... He looked at the file, asked good questions, and found a path forward that the others missed... We closed on time, and the stress dropped the moment he took over.
    Richard D., Google review

  • Tricky Marin loan, approved.

    I worked with Ted Erickson from Barrett Financial Group to secure financing for a home loan in Marin... there were some tricky spots and complications for my loan application. However, that did not stop or hinder Ted. He worked tirelessly to help me be approved...
    Gavin B., Google review

  • Complex purchase, navigated.

    Ted was awesome helping us navigate through a very complex and difficult purchase
    Jake A., Google review

  • First-time buyer, every step explained.

    As a first-time homeowner, I truly appreciated how he took the time to explain everything clearly. He provides excellent customer service and genuinely looks out for your best interests.
    Aunchulee B., Google review

Got Questions?

Happy to help. If you don't see your question here, call or text Ted.

Call or text (415) 717-0477

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It can be, but not always. A broker compares loans from several lenders, which can turn up better pricing or a program a single bank doesn't offer. Compare the Loan Estimates you receive. They show the rate, fees and how the broker is paid, line by line.

A broker doesn't make the final underwriting decision. The lender does. Brokers are also paid for their work, by the lender or by you, and that pay is disclosed on your Loan Estimate. The upside is choice: one application can be matched to many lenders' programs.

Get the denial reason in writing, pull your credit reports and gather your income and asset documents. Then have a broker look at the file. A broker like Ted can check whether another lender or a different program, such as bank-statement, asset-based or DSCR, fits where the first one didn't. More in mortgage denied in underwriting.

DSCR loans usually cost more than a conventional loan and often need a larger down payment. Many come with a prepayment penalty, and the property has to show enough rent to qualify. They are for investment property only.

Yes. Bank-statement and asset-based loans let self-employed borrowers qualify on deposits or assets instead of tax returns alone. Ted will tell you which program fits your income. See how bank statement loans work.

Ted works with borrowers across California, especially Novato, San Rafael and Sonoma County, including Petaluma, Santa Rosa, Rohnert Park, Windsor, Sonoma, Sebastopol and Healdsburg.

Ready to Get the Right Loan?

Don't settle for the first answer from the first bank.

Fill out the form and Ted will reach out to you personally.

By submitting, you agree Ted may call, text or email you. Msg and data rates may apply. Reply STOP to opt out. Disclosures

Your California mortgage broker for purchase, refinance and investor loans.

Call or text (415) 717-0477

tederickson@barrettfinancial.com

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Areas We Serve

Serving Marin, Sonoma and All of California

  • Novato
  • San Rafael
  • Petaluma
  • Santa Rosa
  • Sonoma County
  • All of California
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© 2026 Ted Erickson · Barrett Financial Group, L.L.C. NMLS #181106 · Ted Erickson NMLS #223442

Theodore Emery Erickson · NMLS #223442 · (415) 717-0477
Barrett Financial Group, L.L.C. · NMLS #181106 · NMLS Consumer Access
Branch: 3207 Grey Hawk Court, Suite 110, Carlsbad, CA 92010

CA 60DBO-46052 and 41DBO-148702. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity. Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility.