The Solido Group

One Conversation. Hundreds of Loan Options.

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  • 100+ Reviews on Google and Zillow
  • Veteran Mortgage Advisor Certified
  • 444 loans closed in 2025
  • $146.4 Million in Loan Volume in 2025

Every borrower’s situation is different. Here’s how we help most often.

Buying a Home

First-time buyers
Move-up buyers
Relocation
Investors

Clear pre-approvals built to hold up in underwriting and keep your closing on track.

Refinance & Equity

Lower your rate
Access home equity
Pay off debts
Remove PMI

We’ll tell you when it makes sense to refinance — and when it doesn’t

VA & Specialty Loans

VA and FHA loans
Self-employed income
DSCR
Complex scenarios

Guideline-driven answers, even on tough files that were turned down.

Why choose the Solido Group at Barrett Financial?

  • We explain the “why,” not just the numbers. You’ll understand your options, trade-offs, and next steps — not just your rate.
  • You work with a licensed loan officer, not a call center. One point of contact. Real accountability.
  • Honest answers, even when the answer is “no.” We’ll tell you when a loan doesn’t make sense — and why.
  • We plan for underwriting before you’re under contract. Pre-approvals are built to survive scrutiny, not fall apart later.
  • Access to more than 180 wholesale lenders, guided by experience and judgment. More options matter — but only when you know how to use them.

Meet the team

Phil Spagnolo

Senior Loan Officer

Pamela Paulson

Senior Loan Officer

Stephen Gonzalez

Senior Loan Officer

Megan Maruna

Senior Loan Officer

We’re here to help.

Our loan officers aren’t assigned randomly. You choose who you work with. Meet a few of our loan officers above — or browse the full team to find the right fit. Filter by state, specialty, or experience.

View All Loan Officers

How it works

  • Talk with a Loan Officer. A real conversation to understand your goals, timeline, and questions.
  • Get Pre-Approved with Clarity. We review your scenario carefully and explain your options up front.
  • Shop with Confidence. Make offers knowing your pre-approval is solid and reliable.
  • Close with Clarity. Clear expectations, steady communication, and a team working to head off last-minute issues.

What Our Clients Say

See what our clients have to say about their experience with us. These testimonials reflect our clients’ satisfaction and appreciation for the services we provide. Individual experiences and results vary.

  • He was thorough, knowledgeable, and patient. As a first-time home buyer, he answered every question and explained everything. He got me a great rate, and we closed on time! I’ll definitely use him again.
    Cooper Smith
    Annandale, MN
  • It was a very good experience. They were very good and professional with handling the loan. I was very satisfied with how they helped us achieve our beautiful new home.
    Aretha Garrett
    Greenville, SC
  • Jon and his team were wonderful to work with during our mortgage refinance! The whole process was surprisingly much simpler than I anticipated. Our loan closed quickly and timely and we got a terrific rate!
    Michelle Hue
    Mentor, OH

Buying or refinancing doesn’t have to be confusing — with the right guidance, it isn’t.

Ready to Get Started?

Whether you’re just exploring options or ready to move forward, the next step starts with a conversation.

Conventional Loans
VA Loans
FHA Loans
USDA Loans
DSCR Loans
Jumbo Loans
Non QM Loans
Construction Loans
Reverse Mortgage
HELOC
Refinancing
Construction to Perm

With a variety of loan products available, the Solido Group can help you find a loan that fits your situation.

Find Your Loan Officer Start an Application

Featured Lenders

With access to more than 180 wholesale lenders, The Solido Group at Barrett Financial can evaluate a wide range of loan options and match your scenario to the lender whose guidelines, pricing, and structure fit best.
Below are some of the lenders we work with.

  • United Wholesale Mortgage logo
  • The Loan Store logo
  • Pennymac logo
  • NewRez logo
  • Click n Close logo
  • Windsor Mortgage logo
  • Kind Lending logo
  • Emporium TPO logo
  • Power TPO logo

Lender names and logos are the property of their respective owners. The Solido Group at Barrett Financial is not affiliated with or endorsed by the Department of Veterans Affairs or any government agency. This is not a commitment to lend. All loans are subject to credit approval. Not all products are available in all states.