Mortgage PTSD powered by Barrett Financial Group

About Mortgage PTSD

Mortgage PTSD, led by U.S. Army Veteran Fabion Medhanie, is a Las Vegas-based mortgage brokerage specializing in personalized loan solutions. Licensed in 9 states, Fabion focuses on understanding individual client needs before offering solutions, particularly for those with complex financial situations such as self-employed individuals, 1099 contractors, and veterans. The company prides itself on a transparent and question-driven approach, aiming to demystify the mortgage process and find the best fit for each client, rather than pushing a one-size-fits-all product. They handle a wide range of loan types, including VA, FHA, conventional, jumbo, DSCR, and non-QM loans, with a commitment to finding a route even when other lenders have declined a file.

Credentials & Trust

Fabion Medhanie, NMLS #2002997, is a licensed Mortgage Loan Originator in 9 states and a U.S. Army Veteran. The company boasts a 4.9-star rating across 34 verified reviews, highlighting client satisfaction with their efficiency, ethics, and knowledge. They have received recognition such as being a UWM Top 1% Certified Partner and UWM Top 100 in 2025, Expertise.com Best Mortgage Brokers in 2025, azcentral Best of the Desert Winner in 2026, and Logan Finance Top Producing Account in 2025. This extensive positive feedback and industry recognition underscore their commitment to client success and trustworthy service.

Mortgage PTSD Offers

Mortgage PTSD offers a comprehensive suite of mortgage services designed to cater to diverse client needs. This includes conventional loans with as little as 3% down, VA loans with $0 down for eligible veterans, and FHA loans for those with credit scores as low as 580. They specialize in non-traditional income scenarios, offering bank statement loans, P&L-only options, DSCR investor loans, and asset-based qualifying for self-employed individuals and 1099 contractors. Additionally, they provide refinance options, including rate and term adjustments, cash-out refinancing, and VA IRRRL streamlines. A key offering is their detailed break-even analysis for refinances and a personalized Homebuying Snapshot to help clients understand their affordability and options.

Unique Advantages

Mortgage PTSD distinguishes itself through its veteran-led approach and a deep commitment to transparency, particularly for clients with non-traditional income or those who have been turned down elsewhere. Fabion Medhanie's personal experience as a veteran allows for a unique understanding of VA benefits. The company emphasizes a broker model, pitting multiple lenders against each other to secure the best terms for the client, a stark contrast to single-bank offerings. They also guarantee that all fees are presented upfront, preventing unexpected changes at closing, and offer a fully digital application process, eliminating the need for faxes or in-person document delivery.