Why Work with Ted on Jumbo Financing Instead of a Big Bank?

When it comes to jumbo loans, most people assume the big banks are the only option. The truth? That’s where deals go to die.

At Barrett Financial Group, Ted Erickson—aka Raise The Dead Ted—brings something big banks simply can’t: flexibility, creativity, and access to a massive network of lenders.

🏦 Big Bank Mentality vs. Broker Advantage

Big banks operate in a narrow box. If your scenario doesn’t fit perfectly into their guidelines, it’s an automatic “no.”

Ted doesn’t work for one bank—he works with 100+ lenders, each with different guidelines. That means more ways to say YES.

💡 More Ways to Qualify

Higher Debt-to-Income Ratios (DTI)
Banks cap out quickly. Ted has jumbo programs that allow higher DTIs, especially with strong compensating factors.

Higher Loan-to-Value (LTV)
Need to put less down? Many jumbo lenders Ted works with offer higher LTV options than traditional banks—keeping more cash in your pocket.

Lower Credit Scores Accepted
Big banks want pristine credit. Ted has access to jumbo programs that work with less-than-perfect FICO scores.

Reduced Reserve Requirements
Banks may require 12–24 months of reserves. Ted can often structure jumbo deals with significantly less required assets.

🏡 Financing the “Unusual” (Where Banks Say No)

Big banks love cookie-cutter homes. Ted thrives in the gray areas:

• Unique or luxury properties
• Mixed-use homes
• Rural or non-warrantable properties
• Condotels and non-traditional condos
• Homes with acreage, outbuildings, or quirks

If it’s outside the box, Ted knows which lenders to call.

📊 Income Flexibility That Actually Makes Sense

Self-employed? Complex income? No problem.

• Bank statement jumbo programs
• Asset depletion options
• DSCR options for investors
• Creative structuring for business owners

Big banks often can’t (or won’t) take the time to understand your full financial picture. Ted builds the story and matches it to the right lender.

⚡ Speed, Strategy, and Deal Structuring

Jumbo loans aren’t just about approval—they’re about how you get approved.

Ted brings:

• Strategic pre-approvals that actually hold up
• Scenario analysis before you even apply
• Multiple backup options if one lender tightens up
• Direct access to decision-makers—not call centers

💀 Raise The Dead Ted Difference

Deals that get declined at big banks often just need a different approach.

Ted specializes in:

• Reviving denied jumbo deals
• Structuring loans others don’t even know exist
• Finding solutions—not excuses

Bottom Line

If your financial picture is perfectly simple, a big bank might work.

If you want:

• More options
• Better flexibility
• Creative solutions
• Higher approval odds

Then working with Ted isn’t just better—it’s smarter.

Don’t let your jumbo loan die at a big bank.
Let Raise The Dead Ted bring it back to life.