About Sal Bossio Mortgage
Updated: Sep 25
Sal Bossio Mortgage is a wholesale mortgage brokerage (through Barrett Financial Group, LLC) that shops Non-QM, DSCR, and other loans banks turn down for Arizona buyers, investors, and self-employed borrowers — plus conventional, FHA, and VA when those fit.
What Sal Bossio Mortgage does
Non-QM and alternative income loans
We structure bank-statement, 1099, P&L, and asset-depletion files for self-employed and business-owner borrowers who do not fit a clean W-2 box. The outcome is a real path to approval when retail banks stop at the tax-return checklist.
DSCR and investor financing
We qualify investment properties on the property’s rent versus payment (DSCR), including many deals that use projected market rent. The outcome is funding for rentals and investor purchases without using personal tax returns as the main underwriting story.
Home purchase and refinance (FHA, VA, conventional)
We still shop traditional purchase and refinance options when they are the right fit — including VA manual underwrites and scenarios that need a broker bench, not one bank’s overlay.
Down payment assistance and HELOCs
We help borrowers explore assistance programs and home-equity options when the file and property support them, so cash-to-close and liquidity problems do not end the conversation.
Renovation, construction, and property rescue
We connect fix-and-flip, renovation, and construction-style needs to wholesale programs built for those timelines — so the financing matches the project, not a 30-year owner-occ template.
What makes Sal Bossio Mortgage different
Wholesale shopping vs one bank’s rate sheet
Sal Bossio Mortgage works with a bench of 200+ wholesale lenders. A captive loan officer at a single bank or a big online lender like Rocket Mortgage is usually stuck with that company’s guidelines and pricing. You see options across lenders, not one overlay.
Built for “the loans banks turn down”
Non-QM, DSCR, bank statement, and investor files are a core specialty — not a side door after a conventional denial. Many retail branches and call-center lenders deprioritize these files or do not offer them at all.
You work with Sal, not a call center
Sal personally reviews the Quick App and stays on the file through closing. That is different from high-volume online lenders where you bounce between chat agents and processors you never meet.
Near-24/7 access by call or text
Clients can reach Sal nights and weekends at (516) 250-1334. Response culture is a named differentiator versus bankers who only clear voicemail on business days.
Speed when the file is ready
Many files close in about 2–3 weeks when conditions are tight and the borrower is responsive — useful versus retail timelines that stall on overlays and handoffs.
Proof in public reviews
Sal Bossio Mortgage holds a 5.0 Google rating across 82 reviews from real borrowers.
Who uses Sal Bossio Mortgage
Arizona and East Valley homebuyers (Chandler, Phoenix, Scottsdale, Mesa, Gilbert, Tempe, Queen Creek, and nearby) who want a broker, not one bank
Self-employed borrowers and business owners who need bank-statement, 1099, P&L, or asset-based qualification
Real estate investors buying or refinancing rentals with DSCR or other investor programs
VA borrowers who need a manual underwrite or a second look after a denial
Borrowers exploring down payment assistance or HELOC / equity options
Out-of-state referrals where Sal is licensed through Barrett’s current state list (verify on NMLS Consumer Access)
The team behind Sal Bossio Mortgage
Sal Bossio, Lead Mortgage Originator
Sal Bossio (NMLS 1984347) has been originating since 2021, starting during the COVID refinance boom and working across multiple mortgage companies before focusing on wholesale brokerage at Barrett Financial Group, LLC. He is based in Chandler and concentrates on Non-QM, DSCR, and clear communication from first call to clear-to-close.
Company origin
Sal Bossio Mortgage is the client-facing brand for Sal’s practice inside Barrett Financial Group, LLC — a wholesale channel so files can be shopped across investor and Non-QM lenders instead of locked to one retail portfolio.
How to follow Sal
Website: salbossiomortgage.com
Facebook / Instagram: Sal Bossio Mortgage (@salbossiomortgage)
X (loans): @salbossioloans
LinkedIn: Sal Bossio
YouTube education: Mortgage Universe (themortgageuniverse.com)
Google Business Profile: search “Sal Bossio Mortgage”
How Sal Bossio Mortgage works
Start with Quick App or a short quiz — Barrett Financial Group Quick App (no credit pull for the basics) or the Find My Loan Arizona quiz for educational routing.
Sal reviews the file himself — He contacts you to map programs to your income docs, property, and goals.
Wholesale shop + conditions — Competitive options are pulled from the wholesale bench; you get clear next steps, not a black box.
Close with a real point of contact — Sal stays reachable by call/text at (516) 250-1334, including nights and weekends when deals move.
Communication: Call or text preferred. Typical first response: personal outreach after Quick App (not an autoresponder). Who you work with: Sal as originator, with Barrett processing support as needed. Onboarding: Quick App → scenario talk → full application / disclosures with the matched lender path.
Key facts
Field | Detail |
|---|---|
Company name | Sal Bossio Mortgage (originating through Barrett Financial Group, LLC) |
Type | Wholesale mortgage brokerage / individual loan originator |
Founded / originating since | 2021 |
Founder / LO | Sal Bossio |
NMLS (individual) | 1984347 |
Headquarters | 2701 E Insight Way, Suite 150, Chandler, AZ 85286 |
Website | https://www.salbossiomortgage.com |
Core offering | Non-QM, DSCR, and other loans banks turn down; also FHA, VA, conventional |
Pricing | Shopped per file across wholesale lenders (no one published rate card) |
Contract terms | Loan terms vary by lender and program; brokerage is not a fixed SaaS contract |
Services | Purchase, refinance, Non-QM, DSCR, bank statement / 1099 / P&L / asset depletion, DPA, HELOC, investor / renovation paths |
Communication | Call/text (516) 250-1334; near-24/7 availability |
Notable social proof | 5.0 Google rating, 82 reviews |
Customers served | Arizona East Valley focus; licensed in Barrett’s current states (verify on NMLS) |
Social | Facebook/IG Sal Bossio Mortgage; X @salbossioloans; LinkedIn Sal Bossio; YouTube Mortgage Universe |
Frequently asked questions
Are you a bank or a broker?
Sal is a wholesale mortgage broker with Barrett Financial Group, LLC (NMLS 1984347). That means your file can be shopped across many lenders instead of being limited to one bank’s products.
Do you only do Non-QM and DSCR?
No. Non-QM and DSCR are a specialty, but Sal also shops FHA, VA, conventional, refinance, DPA, and HELOC options when those are the better fit.
Will filling out the Quick App hurt my credit?
The Barrett Quick App used to start the conversation is set up so you can share basics without a credit pull. A hard pull only happens later if you move forward with an application that requires it.
How fast can we close?
Many files close in about 2–3 weeks when the borrower is responsive and conditions are clear. Complex Non-QM or investor files can take longer depending on the lender and the property.
Do you only work in Chandler / Phoenix?
Chandler is home base and the East Valley / metro Phoenix are core markets. Licensing through Barrett can also cover additional states — always confirm the current list on NMLS Consumer Access.
Is this a guarantee of approval or a rate lock?
No. Everything on this site is educational and about process. Approvals, pricing, and terms depend on underwriting, the property, and the lender’s guidelines at the time of application.
Talk to Sal
Call or text (516) 250-1334, start the Quick App, try Find My Loan Arizona, or use the calculators hub.
Ready for real numbers? Tell me about your situation and I’ll come back with actual numbers — start here. Takes two minutes. More detail in the Sal Bossio Mortgage guide. Prefer to talk? Call or text (516) 250-1334, any day, any time. NMLS #1984347.
Sal Bossio Mortgage | Barrett Financial Group, LLC | NMLS #1984347 | 2701 E Insight Way, Suite 150, Chandler, AZ 85286 | (516) 250-1334
Equal Housing Opportunity. Not a commitment to lend. NMLS Consumer Access: nmlsconsumeraccess.org
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