PIVOT Mortgage Lending Group - Powered By Barrett Financial Group

PIVOT Mortgage Lending Group - Powered By Barrett Financial Group Our holistic, educational approach ensures your real estate strategy is tailored to your unique goals. Smart moves start with PIVOT.

- NMLS licensed mortgage broker in multiple states providing Mortgage services/Mortgage financing, real estate investments strategy; First Time Homebuyer Programs, non-QM & unique property financing expert!

- REALTOR® serving in the state of California. Over 20 years in the industry, PIVOT Real Estate & Mortgage Services (dba RM Lending Group) offers expert guidance in buying, selling, and invest

ing, along with a full suite of home financing solutions. We serve first-time buyers, seasoned homeowners, and investors with Conventional, FHA/VA, Jumbo, Non-QM (bank statement, ITIN, asset-based), HELOC/2nd mortgages, and DSCR/no-doc investor loans. Rhealyn Corrigan
Mortgage Broker | NMLS 1973564
REALTOR® | DRE 01749184
*Mortgage Financing powered by Barrett Financial, NMLS 181106

Started with a doubtful client. “It’s too expensive, I’ll never be able to afford it”. With some strategic structuring, ...
05/02/2026

Started with a doubtful client. “It’s too expensive, I’ll never be able to afford it”. With some strategic structuring, and 23 days later, my client can now proudly call himself a homeowner. 🏡

I don’t allow the focus to be on interest rates, nor do I push the edge on the DTI ratio. I always ask what my clients’ goals are, and what monthly payment are they realistically comfortable paying. Because let’s face it, we don’t live off of gross income, nor do we want our clients to be “house poor”. Strategic structuring (and trusting me to pull the trigger to lock the rate at the right time!), while not throwing away 💸 majorly on interest. What works for my clients is what works for me. I don’t work for free, but I’ve never walked away feeling I was after the commission check either.

Loan Amount: $820,250
FHA, 3.5% down
Interest Rate: 4.625% / 6.386% APR (And yes, I beat Rocket 🚀 Mortgage pricing!) 👏
$0 funds due from the buyer

Need savvy financing without the unpredictable frills & hassle? I got you!

Rhealyn Corrigan, Mortgage Broker
NMLS # 1973564
📲 858.242.2356
📧 [email protected]
🔗 www.rhealyncorrigan.com

Not every lender can finance home health care facilities or non-medical adult independent living properties… but I can. ...
04/11/2026

Not every lender can finance home health care facilities or non-medical adult independent living properties… but I can. 🙌🏻

With deep relationships among investors who specialize in unique, income-producing residential assets and a strategic approach to financing, I create solutions where others hit roadblocks. 💥

This client was facing a short-term loan disaster, maturing in just months. I stepped in and restructured everything; cut their monthly payment in half, reduced their rate by over 3%, secured a fixed-term loan, and even unlocked equity for reserves and future investments.

This is what strategic financing looks like. 💡

If you need to turn a short-term problem into a long-term advantage with real savings, I’ve been able to get it done. 💪

Rhealyn Corrigan, Mortgage Broker
NMLS # 1973564
📲 858.242.2356
📧 [email protected]
🔗 www.rhealyncorrigan.com

✨ IN ESCROW ✨Another win for some amazing first-time homebuyers 🏡Their goal was simple: keep their TOTAL monthly payment...
04/08/2026

✨ IN ESCROW ✨

Another win for some amazing first-time homebuyers 🏡

Their goal was simple: keep their TOTAL monthly payment-including taxes, insurance, PMI, and HOA, all under $6,000 per month… while putting as little down as possible.

Happy to report, we made it happen. 💥

Strategic financing + smart structuring = keys in hand soon! 🔑

This is what it’s all about: turning goals into reality and creating new homeowners.

If you think homeownership is out of reach, let’s talk. The numbers I provide might surprise you. 📩

# SmartFinancing RealEstate

Rhealyn Corrigan
Mortgage Broker
NMLS 1973564
📲 858.242.2356
📧 [email protected]
🔗 www.rhealyncorrigan.com

🤔 Can I still buy a home with student loan debt, or while my student loans are in deferment? The answer is yes. 🏡 Stud...
03/09/2026

🤔 Can I still buy a home with student loan debt, or while my student loans are in deferment?

The answer is yes. 🏡

Student loan debt doesn’t have to complicate your home buying journey. There are specific qualifying guidelines lenders follow, especially when loans are in deferment or income-driven repayment plans.

Having been in the mortgage industry through multiple guideline changes surrounding student loans, I’ve seen how each loan agency has its own way of calculating the payment for qualification.

That’s why it’s important to consult with a mortgage professional who understands these nuances and can guide you through the best strategy for your situation.

If you’re wondering how your student loans may affect your home buying power, let’s talk. Your path to homeownership may be closer than you think. ✨

Rhealyn Corrigan, Mortgage Broker
NMLS # 1973564

📲 858.242.2356
📧 [email protected]
🔗 www.rhealyncorrigan.com

💼 💰 Business owners, freelancers, and forward-thinkers, this one’s for you!I’m excited to share a powerful enhancement t...
02/14/2026

💼 💰 Business owners, freelancers, and forward-thinkers, this one’s for you!

I’m excited to share a powerful enhancement to my non-QM loan products, designed to help modern entrepreneurs qualify smarter.

You can now use your cryptocurrency portfolio to strengthen your home loan application WITHOUT LIQUIDATING it.

🏦 Verification of Assets
Use eligible digital assets for your down payment, closing costs, and required reserves.

💸 Income Calculation
Qualified crypto holdings can be used to calculate and verify income — no need to convert to cash.

🪙 Eligible Assets Include:
• Bitcoin (BTC)
• Ethereum (ETH)
• USD-backed stablecoins
• SEC-approved spot ETFs backed by BTC or ETH

If your wealth lives beyond traditional bank statements, your mortgage strategy should too.

This program was built for self-employed borrowers who think differently and invest differently. Let’s structure your next home purchase with intention and innovation. 🏡

Contact me for more details!
Rhealyn Corrigan, Mortgage Broker
NMLS # 1973564

📲 858.242.2356
📧 [email protected]
🔗 www.rhealyncorrigan.com

🌲🚨 NOW SERVING - The Evergreen State! 💰🏡 I’m officially licensed to finance Real Estate in the state of Washington 🎉. It...
01/28/2026

🌲🚨 NOW SERVING - The Evergreen State! 💰🏡

I’m officially licensed to finance Real Estate in the state of Washington 🎉.

It’s been a long time coming, and I’m proud & ready to help Washington residents get into homes with the right strategy.

For my investors & small business owners, financing is available for you too:
✅ Supplemental Financing for your rehab projects
✅ Fix + Flip
✅ Ground Up Construction
✅ Financing for income producing properties (home care/assisted living facilities, boarding home, etc.)

Highly experienced with both traditional and creative financing, I focus on structuring smart 💡 competitive solutions that make sense in today’s Washington market, as not all real estate financing are “one-size-fits-all” loans. Time to navigate, let’s go PNW! 💪 💃🏻

nancing Home Health & Assisted Living Facilities 🫶🏼! This specialized program gives owners a strategic edge to grow thei...
01/15/2026

nancing Home Health & Assisted Living Facilities 🫶🏼! This specialized program gives owners a strategic edge to grow their business effectively and efficiently; using simple, common-sense underwriting that evaluates the business income itself with no specific ratio requirements. 🙌🏻

🏠🩺 Available for purchases & cash-out refinances on 1–4 unit properties, with a valid facility business license. If you’ve been denied traditional home financing because the property is income-producing, this program was designed for your business, not against it.

🏥 Let’s turn your facility into a powerful tool for growth and expansion. Please reach out, I’d love to help you scale smarter.

🚨📣 I’m excited to share that I am now approved as your expert lender for financing Home Health & Assisted Living Facilit...
01/15/2026

🚨📣 I’m excited to share that I am now approved as your expert lender for financing Home Health & Assisted Living Facilities 🫶🏼! This specialized program gives owners a strategic edge to grow their business effectively and efficiently; using simple, common-sense underwriting that evaluates the business income itself with no specific ratio requirements. 🙌🏻

🏠🩺 Available for purchases & cash-out refinances on 1–4 unit properties, with a valid facility business license. If you’ve been denied traditional home financing because the property is income-producing, this program was designed for your business, not against it.

🏥 Let’s turn your facility into a powerful tool for growth and expansion. Please reach out, I’d love to help you scale smarter.

🏡🩷 This Valentine’s Day season, take the first step toward a relationship that last: HOMEOWNERSHIP. 🏠 💰 👩🏻‍🏫 Join us for...
01/11/2026

🏡🩷 This Valentine’s Day season, take the first step toward a relationship that last: HOMEOWNERSHIP. 🏠 💰
👩🏻‍🏫 Join us for an educational Homebuyer Seminar designed to guide you through the buying process with clarity, confidence, and smart financial strategies. Whether you’re Single, partnered, or just ready to commit to a home, join us for this Valentine’s-themed seminar, filled with real talk, helpful tips, and sweet treats!

This event will be hosted by my Realtor Partner Corie Aguinaldo of Weichert SoCal, and yours truly! We’ll educate you on:
• How to get pre-approved with confidence
• Down payment & affordable loan options
• How to win in today’s market - we make it doable!
• Various Purchase Options: on your own, with your partner/spouse, or an entity
• Selecting a Realtor that works with you and for you

Space is limited, RSVP now and join us! Light bites and refreshments will be provided!
📅 Date: Wednesday, Feb. 4
⏰ Time: 5:30pm - 7:00pm
📍 Location: Weichert SoCal Real Estate Office, in-person (address on the flyer)

11/18/2025

🗣️ 🗣️ 🗣️ And here’s a bit of the deep dive…

11/18/2025

🚫NO FICO REQUIREMENTS ARE HERE! 🤚🏼But wait, don’t get too excited! Underwriting guidelines still exist, and depending on the overall analysis of your credit worthiness, pricing on your interest rate may still come with hefty loan level pricing adjustments!
💡
✔️ Minimum 620 FICO scores are no longer required on Conventional AUS approval.
✔️ The score requirement was removed by Fannie Mae & Freddie Mac, effective on new loan applications dated 11/16/2025 and later.
✔️ Automated Underwriting Systems (AUS) by DU/LPA (Fannie & Freddie, respectively) will now conduct a comprehensive analysis on your credit to determine automatic loan approval (ie: trending data, length & age of credit, number of payments made, type of trade lines, etc.).
✔️ Conventional Loans with loan to values of >80% and require Mortgage Insurance, may still be imposed a minimum credit score. Have your licensed mortgage professional check eligibility and requirements with the MI vendor.

Always consult with a trusted and knowledgeable licensed mortgage professional… or, save the sales pitch and call me; I’ll dissect all of this, and what it means for you and your home buying journey. 🏡 👣

Address

San Diego, CA

Telephone

+18582422356

Website

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