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Brittany Minocchi, Loan Advisor at Breakaway Mortgage

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From understanding your budget to getting the keys....no pressure, just honest guidance every step of the way.

From DSCR loans to portfolio lending, we understand what investors need: speed, flexibility, and terms that maximize cash flow.

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About

Meet Brittany

My Story

Helping New and Experienced Investors

Ready to Get Started?

Loan Programs

I became a loan officer to do things differently. My mission is simple: give you the guidance I wish I had when I was starting out.

At 22, with no credit and no guidance, I walked into my bank hoping for help. I was quickly turned away and left feeling stuck. That experience shaped everything - then I met a mortgage broker who actually took time to explain my options. That moment showed me what was possible when someone truly cares about your success.

"When it comes to your mortgage, you shouldn't have to figure it out on your own."

That belief drives everything I do. I take a hands-on approach with every client, walking through the details, explaining the numbers, and making sure nothing gets glossed over. This isn't just about getting approved, it's about making a smart financial decision that sets you up for success.

I help investors who are tired of being told "no" by traditional lenders. I listen to your goals, analyze the deal, and find the financing strategy that gets you to the closing table.

Whether you're buying your first home, a vacation home, or growing your investment portfolio, I'm here to help you navigate the mortgage process with confidence.

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Meet Brittany I became a loan officer to do things differently. My mission is simple: give you the guidance I wish I had when I was starting out. My Story At 22, with no credit and no guidance, I walked into my bank hoping for help. I was quickly turned away and left feeling stuck. That experience shaped everything - then I met a mortgage broker who actually took time to explain my options. That moment showed me what was possible when someone truly cares about your success. "When it comes to your mortgage, you shouldn't have to figure it out on your own." That belief drives everything I do. I take a hands-on approach with every client, walking through the details, explaining the numbers, and making sure nothing gets glossed over. This isn't just about getting approved, it's about making a smart financial decision that sets you up for success. Helping New and Experienced Investors I help investors who are tired of being told "no" by traditional lenders. I listen to your goals, analyze the deal, and find the financing strategy that gets you to the closing table. Ready to Get Started? Whether you're buying your first home, a vacation home, or growing your investment portfolio, I'm here to help you navigate the mortgage process with confidence. window.open('https: Get Pre-Approved
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Loan Comparison

Loan Program Comparison

Explore Each Loan Program

Still Have Questions?

Loan Programs

Compare USDA, FHA, Conventional, and VA loans side-by-side to find the best mortgage option for your situation.

Click on any program to learn more and see if it's right for you

Not sure which loan program is right for you? Let's discuss your options.

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Loan Program Comparison Compare USDA, FHA, Conventional, and VA loans side-by-side to find the best mortgage option for your situation. Feature USDA FHA Conventional VA Explore Each Loan Program Click on any program to learn more and see if it's right for you Still Have Questions? Not sure which loan program is right for you? Let's discuss your options. Get Personalized Advice Breakaway Mortgage - powered by Barrett Financial Group Quick Links © Breakaway Mortgage powered by Barrett Financial Group . All rights reserved. {branding.privacyPolicyUrl && Privacy Policy
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FHA Loans

FHA Home Loans

FHA Loan Requirements

Credit Score

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Achieve your dream of homeownership with as little as 3.5% down . FHA loans offer flexible credit requirements and government backing, making them perfect for first-time homebuyers.

Backed by the Federal Housing Administration, these loans make buying a home more accessible with lower down payments and more flexible credit guidelines than conventional loans.

Get answers to the most common questions about FHA loans

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FHA Home Loans Achieve your dream of homeownership with as little as 3.5% down . FHA loans offer flexible credit requirements and government backing, making them perfect for first-time homebuyers. Backed by the Federal Housing Administration, these loans make buying a home more accessible with lower down payments and more flexible credit guidelines than conventional loans. window.open('https: FHA Loan Requirements Credit Score Frequently Asked Questions Get answers to the most common questions about FHA loans {faqs.map((faq, i) => (
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VA Loans

VA Home Loans

Certificate of Eligibility (COE)

How to Get Your COE

Required Documentation

Exclusive VA Loan Benefits

Frequently Asked Questions

Loan Programs

You've earned more than just a thank you. VA loans offer $0 down payment , no PMI, and competitive rates for veterans, active-duty service members, and eligible spouses.

Backed by the Department of Veterans Affairs, this benefit honors your service with one of the most powerful home loan programs available—making homeownership accessible and affordable for those who served.

Your COE proves to lenders that you are eligible for a VA-backed loan. We will help you obtain it quickly.

Take advantage of these powerful benefits earned through your military service.

Get answers to common questions about VA loans and benefits

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VA Home Loans You've earned more than just a thank you. VA loans offer $0 down payment , no PMI, and competitive rates for veterans, active-duty service members, and eligible spouses. Backed by the Department of Veterans Affairs, this benefit honors your service with one of the most powerful home loan programs available—making homeownership accessible and affordable for those who served. window.open('https: Certificate of Eligibility (COE) Your COE proves to lenders that you are eligible for a VA-backed loan. We will help you obtain it quickly. How to Get Your COE Required Documentation Exclusive VA Loan Benefits Take advantage of these powerful benefits earned through your military service. Frequently Asked Questions Get answers to common questions about VA loans and benefits {faqs.map((faq, i) => (
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Conventional Loans

Private Mortgage Insurance (PMI)

When PMI Is Required

PMI Removal Options

Loan Programs

One of the most common loan options, offering competitive rates and flexible terms that can be tailored to your goals. Perfect for borrowers with solid credit seeking traditional financing.

Conventional loans are not backed by government programs, giving you more flexibility with property types and loan structures for primary homes, second homes, and investment properties.

Understanding PMI helps you make informed decisions about down payments and monthly costs.

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Conventional Loans One of the most common loan options, offering competitive rates and flexible terms that can be tailored to your goals. Perfect for borrowers with solid credit seeking traditional financing. Conventional loans are not backed by government programs, giving you more flexibility with property types and loan structures for primary homes, second homes, and investment properties. window.open('https: Private Mortgage Insurance (PMI) Understanding PMI helps you make informed decisions about down payments and monthly costs. When PMI Is Required PMI Removal Options Breakaway Mortgage - powered by Barrett Financial Group Quick Links {navLinks.map((link) => (

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Usda Loans

USDA Rural Home Loans

Why Choose a USDA Loan?

Qualification Requirements

Property Location

Income Limits

Credit & DTI

Frequently Asked Questions

Ready to Explore USDA Loans?

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Own your dream home with zero down payment in eligible rural and suburban areas. USDA loans offer 100% financing with competitive rates and affordable monthly payments.

Backed by the U.S. Department of Agriculture, these loans make homeownership accessible for moderate-income families in qualifying areas across America.

Rural development loans offer incredible benefits for eligible homebuyers

USDA loans are designed for moderate-income families in rural areas

Must be in a USDA-designated rural or suburban area. Many areas just outside major cities qualify.

Household income cannot exceed 115% of the area median income. All household members income counts.

Flexible credit requirements with automated and manual underwriting options available.

Common questions about USDA rural development loans

Find out if your dream home is in a USDA-eligible area and start your journey to homeownership with zero down payment.

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window.open('https: Why Choose a USDA Loan? Rural development loans offer incredible benefits for eligible homebuyers Qualification Requirements USDA loans are designed for moderate-income families in rural areas Property Location Must be in a USDA-designated rural or suburban area. Many areas just outside major cities qualify. Contact us for a free eligibility check Income Limits Household income cannot exceed 115% of the area median income. All household members income counts. Standard Limit 115% of AMI Credit & DTI Flexible credit requirements with automated and manual underwriting options available. Min Credit Score 640+ Max DTI 41% Frequently Asked Questions Common questions about USDA rural development loans {faqs.map((faq, i) => (
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DSCR Investor Questionnaire

Questionnaire Submitted!

DSCR Investor Questionnaire

Borrower Information

Property Information

Financial Details & Experience

Refinance Property Details

Thank you for completing the DSCR investor questionnaire. Brittany will review your information and contact you within 24 business hours to discuss your financing options.

Complete this questionnaire to get started with your Debt Service Coverage Ratio loan application. This helps us understand your investment goals and structure the best financing solution.

⚠️ Since you selected a refinance option, you'll need to complete additional property details on the next step.

Required for Refinance: Please provide the following details about the property you currently own.

Questions about this form?

Call or Text:

Email:

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DSCR Loans

DSCR Investment Loans

Flexible Guidelines Available

Calculate your Debt Service Coverage Ratio

Program Requirements

Property Types

DSCR Ratio

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Portfolio Loans

DSCR Investor Questionnaire

Loan Programs

Finance your investment properties with no income verification required. Qualify based on property cash flow, not personal income. Perfect for real estate investors, self-employed borrowers, and portfolio builders.

Debt Service Coverage Ratio loans make it easy to grow your real estate portfolio by using the rental income from your investment properties to qualify for financing.

While the guidelines and parameters mentioned reflect standard DSCR loan requirements, we understand that every investment opportunity is unique. Options outside of these parameters may still be considered. Contact us to discuss your specific investment scenario.

Your DSCR

Formula: Monthly Rent ÷ Monthly Debt Payment = DSCR

Eligible properties include 1-4 unit properties, condos, and townhomes. Both short-term and long-term rentals are permitted.

Investment properties only

Most programs require a minimum DSCR of 1.0 to 1.25. Options with sub-1.00 DSCR may be considered with compensating factors. Higher ratios may qualify for better rates and terms.

Loan amounts from $75K to $3M. Fixed and ARM options available with interest-only payments offered.

Ready to apply? Complete our investor questionnaire to get started. This helps us understand your investment goals and structure the best financing solution for your property.

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Calculators

Mortgage Calculators

Mortgage Calculator

Refinance Calculator

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Ready to Get Started?

Loan Programs

Explore our free mortgage calculators to estimate your payments, compare loan options, and make informed decisions about your home financing.

Estimate your monthly mortgage payment including principal, interest, taxes, and insurance.

Calculate your break-even point and total savings by refinancing your mortgage.

Calculate your Debt Service Coverage Ratio for investment property loans.

These calculators are a great starting point, but nothing beats personalized advice. Let's discuss your unique situation and find the best loan program for you.

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Estimated Monthly Payment

This is an estimate. Actual payment may vary.

Most lenders require a DSCR of 1.0 or higher for investment property loans

Current Loan

New Loan

Break-Even Analysis

Break-even = months to recover closing costs through monthly savings

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