Jeff Shin · Head of Mortgage
NMLS #1041652 · Barrett Financial Group, L.L.C. NMLS #181106

Get a second opinion before you become somebody’s lead.

One Chicago originator reads your numbers and tells you what he sees. No credit pull.

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What are you trying to figure out?

Pick the one that fits. The next question depends on this answer, and you will see something useful before anyone asks for your phone number.

I have an offer and want it checked Upload your Loan Estimate PDF. We flag what is worth questioning.

What happens to what you tell us. Jeff Shin reads it, NMLS #1041652. It is not sold, and it does not go to a panel of lenders bidding for the right to call you. If a lender has to see your file to price it, you hear which lender and why before that happens. Longer version, in the language lawyers prefer: the privacy policy.

Not ready to talk to anyone?

If you are six months out, skip the application. Run the numbers yourself, or tell Jeff the rate that would change your mind.

Run the payment yourself

Principal, interest, taxes and insurance, including the two costs most calculators leave out. No email until you have a number.

Every calculator is at /calculators/. See the rates page for the dated benchmark and its availability status.

Or have us watch it for you

Tell Jeff the number that would make the math work. He will email you if it shows up. This is not an automated alert.

Email only. No application and no credit pull. Reply to Jeff to come off the list.

4.85 Average of 406 verified Experience.com reviews. Read all of them, unfiltered.
“Jeff Shin was able to help us make a dream come true and get us into our forever home. The process was very easy and straightforward.”
Verified client · Purchase
“Especially if you are a first home buyer, Jeff is a great choice. All questions you have, he will answer.”
Verified client · First-time buyer
“This is my second time dealing with Jeff. He has been very helpful, knowledgeable, and looking for the best way to help.”
Verified client · Repeat client
“Jeff went above and beyond to help us step by step through the process and make everything so much easier.”
Verified client · Purchase
Jeff Shin

Jeff Shin

Licensed mortgage originator, NMLS #1041652, working out of Chicago and licensed in Illinois, Indiana, Kansas, Michigan, New Jersey, Texas. This site argues for fit over rate because the lowest number on a quote sheet is so often attached to the wrong loan.

If your current offer is already good, that is what you will hear. Shorter conversation, and the honest one.

Get a second opinion (708) 669-8304

Jeff Shin · NMLS #1041652 · Barrett Financial Group, L.L.C. NMLS #181106 · Illinois Residential Mortgage License #MB.6761630