50+ five-star reviews from homeowners
Mark earns 5 stars for same-day communication, zero surprises, and loans that close on time.
Phoenix's Top
Mortgage BrokerFaster. Easier. More Lenders. Lowest Rates.
Skip the mortgage headache with our AI-powered process and get exclusive access to dozens of competitive lenders.
- 10+ Years Experience
- 50+ 5-Star Google Reviews
- $500M+ in Loan Volume Closed
- Licensed NMLS #1455718
- 10+ Years Experience
- 50+ 5-Star Google Reviews
- $500M+ in Loan Volume Closed
- Licensed NMLS #1455718
Why Mark
Why homeowners call Mark first
Cut weeks off your closing with AI technology
AI-powered document verification processes your paperwork instantly — no processor delays, no chasing missing docs.
One call. Dozens of lenders shopped for you.
Banks give you one rate. Mark shops dozens of lenders to find the lowest — full market negotiating power, one phone call.
Same-day response. Every lead. Every time.
Reach out and you hear back the same day — real answers about your situation, not a voicemail and a callback window.
Reviews
See what our customers say
Free Quote
Get your free quote
Tell Mark a little about your situation and he'll get back to you the same business day.
Top Programs
Our most popular loan programs
Solutions
Mortgage solutions for every borrower
Mortgage Broker
Not sure whether a fixed-rate or adjustable-rate mortgage is the smarter play? Wondering if a second mortgage or interest-only structure fits your situation? Mark compares loan options side by side, walks you through the application, and gives you a real apples-to-apples rate comparison — all from an independent broker who works for you, not a bank.
Learn moreMortgage Lender
Still paying the rate you locked in years ago? Or sitting on equity you haven't touched? Mark shops dozens of Phoenix-area lenders to find your best rate — whether you're lowering your payment, pulling cash out, or shortening your term. From FHA Streamline to VA IRRRL to conventional home loans, every option is on the table.
Learn moreLoan Agency
Got a commercial deal a traditional bank already turned down? Mark structures financing for apartment buildings, mixed-use properties, warehouses, and multi-family investments across Phoenix and the Valley. Hard money, bridge loans, and portfolio loans are all available.
Learn moreReal Estate Consultant
Buying new construction in Buckeye or Queen Creek? Navigating a 1031 exchange? Trying to buy before your current home sells? Mark has consulted on hundreds of complex Phoenix transactions and knows exactly how to structure financing so nothing falls through the cracks.
Learn moreInvestment Service
Phoenix's rental market is one of the strongest in the country — but the wrong loan structure will kill your cash flow before the first tenant moves in. Mark specializes in DSCR loans, Airbnb financing, fix-and-flip loans, and investment property refinances built around how income properties actually work.
Learn moreCredit Counseling Service
Been told your credit score is too low or your debt-to-income is too high? That's one lender's answer — not the market's. Mark has access to lenders who specialize in bad credit home loans, debt consolidation refinances, and high DTI programs, plus connections to HUD-approved housing counseling and homebuyer education programs. One free conversation could change what you thought was possible.
Learn moreService Area
Which states can we help you in?
Barrett Financial is licensed in all states nationally besides NY, and proudly serving locally in the Phoenix metro Valley.
Phoenix Metro Areas: Phoenix, Scottsdale, Tempe, Mesa, Chandler, Gilbert, Glendale, Peoria, Surprise, Goodyear, Avondale, Buckeye, Queen Creek, San Tan Valley, Fountain Hills, Oro Valley, Tucson, Yuma, Flagstaff — all in AZ.
10+
Years
50+
★ Reviews
Meet Your Broker
Your Phoenix mortgage broker — Mark Fazio
Mark Fazio is a licensed Phoenix mortgage broker (NMLS #1455718) with over 10 years of experience and 50+ five-star reviews from borrowers across Metro Arizona. Operating under Barrett Financial Group (NMLS #181106), Mark built his practice on three things the mortgage industry routinely fails at: responding the same day, shopping the full lender market instead of pushing one product, and using AI-powered technology to close loans faster than traditional lenders can. You work directly with Mark — not a loan officer assistant, not a call center — from your first question through the day you close.
- NMLS #1455718
- Barrett Financial Group NMLS #181106
- AZ License #0904774
- Licensed in 49 States
- 10+ Years Experience
- Equal Housing Lender
FAQ
Common questions
How do I know I'm actually getting the lowest rate?
Because Mark doesn't represent one lender — he represents you. He submits your profile to dozens of lenders simultaneously and shows you the actual comparison. You see the options, not just the recommendation. If another lender beats the rate, Mark will tell you.
How fast can I get a pre-approval letter?
Same day in most cases. Mark's AI-powered document verification processes your information in real time — no waiting on a processor to manually review a paper file. A same-day pre-approval means you can write an offer tomorrow morning in a market where homes move in hours.
I'm self-employed and was already denied by my bank. Is there any point in calling?
Yes — and it's one of the most common calls Mark gets. Banks use W-2 income and penalize write-offs. Mark has access to bank statement loans, asset-based loans, and Non-QM programs designed for exactly how self-employed borrowers earn. One denial from one bank is not the end of the road.
What does it cost to use a mortgage broker instead of going directly to a bank?
Your consultation and rate quote are completely free — no obligation, no pressure. Broker compensation is fully disclosed before you commit to anything, and in nearly every case, the lower rate Mark finds more than offsets any cost difference.
How long does it actually take to close with Mark?
Traditional lenders average 30–45 days. Mark's AI-powered process is built to close significantly faster by eliminating the document bottlenecks that cause most delays. Speed is one of the most consistent things his reviews mention.
My credit isn't great. Do I have any real options?
It's not a waste of time. Mark works with lenders who specialize in low credit scores, high DTI ratios, and credit-challenged borrowers — including programs most brokers don't know exist. The only way to know what you qualify for is to have the conversation.