Sound Financial Mortgage
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Sound Financial Mortgage
The average net worth of a homeowner versus someone who pays rent is over 44 times greater. Many people wonder how they can become a homeowner in today's market. The first step is to apply online for a pre-approval and see what makes sense for you and your family. We help you figure out the approval, the budget, and the money needed for the down payment along with he closign costs.

Our mission is to make the process and the figures understandable We have helped thousands of families take the step into homeownersthip and we can help you too! If you need to refinace, we will evaluate your current interest rate and see how we can either lower your monthly payment or lower your term of the loan to save you money monthly or to cut years off your mortgage term.
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John Barlow is the President, Owner, Designated Mortgage Broker and Mortgage Loan Officer for Sound Financial Mortgage LLC. John has been a loan officer since 2001 and is an seasoned expert in residential mortgage lending. As an advisor, John helps people understand mortgage options available to them and helps guide them through the loan process, John's passion has always been helping people and making a difference.
Kindly provide your date of birth so our mortgage brokers can verify your identity when they contact you. Thank you for your cooperation. Sound Financial Mortgage LLC strives to ensure that its services are accessible to people with disabilities.

Sound Financial Mortgage LLC has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.Sound Financial Mortgage LLC makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server.
Applying for a mortgage can seem like a daunting and scary process. To help, we've created a checklist of things for you to compile, complete and acknowledge before applying. Credit history is a recorded file of past and current credit that is utilized to compile a credit score. A closing cost is a payment required to finalize a home loan and is separate from a down-payment.
There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we're here to help you choose the best type of home loan for your needs. The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
The first step in obtaining a loan is to determine how much money you can borrow. In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
Reviews (8)
Livanna Anderson
Livanna Anderson
Dec 11, 2020
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If you are worried about not being able to refinance due to debt, or high debt-to-income ratio, or that your current interest rate isn't THAT high... Do yourself a favor and give John a call. You will likely be surprised how beneficial a refinance can be right now. If you don't ask, you'll never know what you're missing!
John and Sheila have been FANTASTIC to work with! I actually have a finance team that I use and love, but tried John and Sheila based off of a recommendation from my best friend.
I couldn't be more thrilled from start to finish. They customized my home refinance based off of
Source Remember Me
Source Remember Me
Nov 03, 2020
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John Barlow patiently and accurately answered every single question/concern I had re: setting up Reverse Mortgage for our home. I had some background in financial matters, but this is a complex process and not a time one can afford to make a misstep in the decision making process; the effects are for the rest of our life (and beyond, considering our heirs).
John utilized his listening and teaching skills to help build my understanding of the implications of each choice, and there-by my confidence we were producing an outcome that was just right for us. His good-humored nature always dissipated
John Alaimo
John Alaimo
Oct 31, 2020
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Positive: Professionalism, Quality, Responsiveness, Value
John and his team at Sound Financial are great to work with. They are quick to respond via phone and email, and will genuinely work in your best interest! I have worked with them twice now on an initial mortgage and a rate refinance, and have been exceptionally pleased both times! I will go back again for any future mortgage changes.
John Flavin
John Flavin
Sep 16, 2020
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Positive: Professionalism, Quality, Responsiveness, Value
Recently did a refi with them, and was beyond happy with the level of customer service. (Excellent interest rate, as well.) I've used other mortgage brokers in the past, and cannot rave about John Barlow and Sound Financial enough. Thank you for the fantastic work and hand holding through the process.
Bill Kulick
Bill Kulick
Sep 08, 2020
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Positive: Professionalism
Excellant, John did a great job and kept us in the loop at all time. He took a personal interest us. We seemed to be more than just a number to him.
Nathan Vorhees
Nathan Vorhees
Sep 04, 2020
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I can't say enough good things about working through this refi. They were always available, quick to respond and got my loan closed quickly, even with the tight deadlines. Very happy with John and Sheila both. Pleasure to work with and I will be sending them additional clients! Rate was so good I hope to never need to refinance again, but am happy I chose to work with them.
Deb Orah
Deb Orah
Jul 30, 2020
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Positive: Professionalism, Quality, Value
John was beyond helpful through the entire process of securing a reverse mortgage. I interviewed and got proposals from 3 other lenders/brokers and none of them provided the kind of knowledge, kindness, or support that I got here. Trustworthy only begins to describe the experience and I would highly recommend this company.
John A.
John A.
Jun 26, 2020
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John and his team at Sound Financial are great to work with. They are quick to respond via phone and email, and will genuinely work in your best interest! I have worked with them twice now on an initial mortgage and a rate refinance, and have been exceptionally pleased both times! I will go back again for any future mortgage changes.