Mortgage Broker | Home Loans, VA Loans & Commercial Financing in 49 States
More Loan Options. Competitive Rates. Out-of-the-Box Lending.
When a traditional bank or retail mortgage lender says no, that doesn't necessarily mean you can't get approved for a mortgage.
I'm Burx Norrod, a Marine Corps veteran and mortgage broker with more than 20 years of experience in mortgage lending. Based in Albuquerque, New Mexico, I can help borrowers with financing in 49 states, giving homebuyers, homeowners, veterans, real estate investors, and Realtors access to a wide range of residential and commercial lending solutions.
Unlike a retail lender or bank that is generally limited to its own products, pricing, and underwriting guidelines, as a mortgage broker I have access to a large network of wholesale lenders and specialized loan programs.
That allows me to shop for the right combination of competitive mortgage rates, lower lender fees, flexible underwriting guidelines, and loan programs based on the individual borrower.
Whether you're buying a home, refinancing, investing in real estate, or looking for commercial financing, my goal is simple:
Find a way to get the deal done.
Why Use a Mortgage Broker Instead of a Bank or Retail Lender?
A traditional retail lender generally offers its own mortgage products, pricing, and underwriting guidelines. If you don't fit inside their box, your options may be limited.
As a mortgage broker, I can shop among multiple wholesale lenders.
That can provide access to:
Competitive mortgage rates and lower lender fees
More loan programs and lending options
Flexible credit requirements
Alternative income documentation
Solutions for self-employed borrowers
Programs for borrowers who have already been denied
Residential and investment property financing
Commercial real estate and business-purpose loans
Mortgage financing available to qualifying borrowers across 49 states
Sometimes the difference between a mortgage denial and a mortgage approval isn't the borrower—it's finding the right lender.
That's why I specialize in out-of-the-box mortgage lending that can turn denials into approvals.
Perfect credit isn't always required to buy a home.
Depending on borrower, property, and program qualifications, I have access to 100% financing options with qualifying credit scores as low as 580.
I also work with FHA, conventional, down payment assistance, self-employed, bank statement, Non-QM, ITIN, jumbo, renovation, investment property, and other specialized mortgage programs.
If another lender has told you that you don't qualify, don't assume that's the final answer.
Let me take another look.
VA Home Loans — A Veteran Helping Veterans
I'm a United States Marine Corps veteran, so helping fellow veterans, active-duty military members, and military families utilize their VA home loan benefits is especially important to me.
VA loans can provide tremendous benefits, including 100% financing for eligible borrowers, but lenders can have very different credit requirements and underwriting overlays.
I have access to VA loan options for qualifying borrowers with credit scores as low as 500.
If you've been turned down for a VA mortgage because of your credit score or another underwriting issue, another lending option may exist.
One lender saying no doesn't necessarily mean the VA loan can't be done.
Mortgage Lending in 49 States
Although I'm based in Albuquerque, New Mexico, my business isn't limited to Albuquerque—or even New Mexico.
I can help qualifying borrowers with mortgage financing in 49 states, allowing me to work with homebuyers, homeowners, veterans, real estate investors, and real estate professionals throughout most of the country.
So whether you're buying a home in New Mexico or your Realtor business takes you across state lines, you can have one mortgage resource for transactions throughout most of the United States.
Commercial Loans & Real Estate Investment Financing
My lending services aren't limited to residential mortgages.
I can also help business owners, commercial property buyers, and real estate investors explore commercial real estate loans and business-purpose financing.
Access to multiple lending sources can provide financing alternatives that may not be available through a traditional bank or retail mortgage lender.
Whether you're purchasing a primary residence, investment property, or commercial real estate, I can help explore financing options that fit the transaction.
Realtors: A Denied Buyer Doesn't Always Mean a Dead Deal
If you're a Realtor, I'd like to be the mortgage broker you call when another lender can't get the deal done.
You've already invested your time helping your client find a home. Don't automatically lose the buyer—or the sale—because one lender issued a denial.
The problem may be the lender's credit overlays, debt-to-income requirements, income calculations, property guidelines, or simply that the lender doesn't offer the program your buyer needs.
Before you give up on the buyer, give me the scenario.
My out-of-the-box approach to mortgage lending allows me to search for solutions for difficult transactions and borrowers who don't fit neatly inside traditional lending guidelines.
And because I can help borrowers in 49 states, I'm not just a resource for Realtors in Albuquerque or New Mexico.
Realtors: Connect with me to see how having a nationwide mortgage broker in your corner can help you save more deals, close more transactions, and sell more homes.
Looking for a Mortgage Broker? Let's Talk.
Whether you have excellent credit and want competitive mortgage pricing, you're a veteran looking to use your VA benefits, you're self-employed, need 100% financing, are purchasing commercial property, or you've already been denied by another lender, I'm happy to take a look.
I've worked in mortgage lending since 2002 and combine that experience with the flexibility and lending options available through the wholesale mortgage broker channel.
One lender saying no doesn't mean the answer is no.
Burx is amazing. Simple as that. He works so hard for you and the rest of his clients. I was introduced to him by a friend who also was referred to him and I have no complaints. Burx saved me tons of money, streamlined the process and communicated with me throughout every step of the way! He even made it to closing too!
After shopping around with various banks and lenders, we decided to go the broker route. Couldn't have been more happy that we landed with Burx. Best rate and lowest closing costs by far, AND the service was top notch. Can't recommend Burx enough and we will be using him for all of our future financing needs.
As a Realtor in Albuquerque who works with a lot of mortgage lenders/brokers, Burx is incredible at his job and deeply cares for his clients. He is great at making the process very smooth for everyone involved in the home buying and home refinancing process. Thank you Burx!
I have worked with the Barret Finacial Team in the past and recently I had a complicated lending situation I had to overcome with the VA. Burx Norrod was very knowledgeable and presented to me the facts of where I stood and the steps to mitigate my issues and convert my current loan into VA loan. Burx was very knowledgeable as well as professional at every turn. Any time I called, Burx responded to me with any answer and the timeframe to complete each task. If you want someone to get the job completed, you will be very happy with Burx. I will be utilizing him for all my future real-estate needs. Nathan Johnson
We recently got mortgage loan from Burx. Burx is simply fantastic to work with. In the initial conversations, he walked me through all the items in the loan estimate document and explained to me the meaning of each item. I shopped around several lenders, but he was able to gave me the lowest rate. He was very responsive and very efficient in every step of the whole process. For example, he ordered the appraisal as soon as he can and had the appraisal finished very quickly. Getting the appraisal earlier helped us greatly in the negotiation. He was so efficient that we got the loan done in about 2 weeks. He communicated very clearly. The loan estimate and closing disclosure were both clear without any hidden fees. He is a trustable person to work with. He would be my go-to person for future loan opportunities.
Burx did a Fantastic job assisting us with the purchase of our home. He worked hard to help us find the best possible outcome with our home. We will definitely be recommending him in the future.
