About Brett Hein


Brett Hein

Specialties: MIL, FIRST, RENT, NEW, CON

Brett Hein is a seasoned real estate investor with ten years experience in the Bay Area and Central Valley of California. He currently resides in Salida, California with his girlfriend, who is also his business partner. Together, they have built a successful Real Estate business and a young family. Brett's family includes his 3-year-old son and a newborn daughter. He is proud to have built a life and a business that he can share with the most important people. His girlfriend/business partner is integral to their success, and he values her contributions and support in all aspects of their business and personal life. They are raising their children in a loving and supportive environment while also achieving their professional goals.

He is a well-rounded real estate professional with a variety of certifications and qualifications. He holds certifications in real estate buying and selling, development, and hard money lending. These certifications have helped him to develop a deep understanding of the nuances of the real estate market and how to navigate it successfully. Additionally, Brett has taken the initiative to expand his knowledge and expertise in other areas. He holds certifications to open Starbucks and Pizza Hut franchises. This demonstrates his entrepreneurial spirit and his willingness to explore new opportunities.

He has built his wealth by investing his own cash into buying, renovating, and selling properties in California. He has a keen eye for identifying properties with potential, and the skills to renovate and improve them in order to increase their value. His experience in California has helped him become proficient in identifying profitable investments and successfully navigating the real estate market. Later, he expanded his investments to the Wichita market and surrounding suburbs and towns, this shows his ability to spot opportunities and his willingness to take risks. By expanding to new markets, he has been able to grow his portfolio and increase his wealth.

He is now focused on rapidly growing his portfolio of rental properties in Wichita, Parsons, Mound Valley, Coffeyville, Cherryvale, and Independence markets. He offers newly renovated homes at competitive rates to low-income families. In addition to acquiring and renovating existing properties, Brett is also involved in new construction buildings. He understands the importance of providing modern, high-quality housing options to the community, and is committed to creating new homes that are safe, comfortable, and affordable for low-income families.

His goal is to acquire 100 single-family homes per year. He is always looking for new opportunities to expand his portfolio and increase his wealth. He has a proven track record of success and is confident in his ability to achieve this ambitious goal. Furthermore, Brett supports local contractors and management to increase the profitability of local businesses. He believes that working with local businesses can create a positive impact on the community, and help promote economic growth and development.

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Buying A Home?

The experience of purchasing your first home should be a source of joy and fulfillment, leaving you with cherished memories to cherish in the years to come.

Selling A Home?

If you are currently contemplating selling your home in the near future, it's crucial to understand that today's housing market is truly exceptional and distinct from anything we've seen before.

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Frequently Asked Questions

Why You Need a Realtor?

When buying or selling a home, there are so many options…which can also present a lot of obstacles. Laws change, forms change, and practices change all the time in the real estate industry. Because it’s our job to stay on top of those things, hiring a realtor reduces risk, and can also save you a lot of money in the long run.

When you work with me as your Realtor, you’re getting an expert who knows the area; knows how to skillfully guide your experience as a seller or buyer; can easily spot the difference between a good deal and a great deal. My job is to translate your dream into a real estate reality, and I work hard to earn and keep my business. This also means earning your trust: When you work with me, you’ll be working with a realtor who looks out for your best interests and is invested in your goals.

Which loan should you choose?

There are two different types of loans conventional loans and government-backed loans. The main difference is who insures these loans:

1 - Government-backed loans (FHA, VA and USDA):

(a) - Are, unsurprisingly, backed by the government.

(b) - Include FHA loans, VA loans, and USDA loans.

(c) - Make up less than 40 percent of the home loans generated in the U.S. each year.

2 - Conventional loans:

(a) - Are not backed by the government.

(b) - Include conforming and non-conforming loans (such as jumbo loans).

(c) - Make up more than 60 percent of the loans generated in the U.S. each year.

What is the difference between FHA, VA and USDA loans?


FHA loans, which are insured by the Federal Housing Administration, are typically designed to meet the needs of first-time homebuyers with low or moderate incomes. FHA loans can be approved with a down payment of as little as 3.5 percent and a credit score as low as 580.

FHA loans are often called “helper loans,” because they give a leg up to potential borrowers who may not be able to secure one otherwise. For this reason, FHA loans have maximum lending limits, which are determined based on housing values for the county where the for-sale home is located.

Because the agency is taking on more risk by insuring FHA loans, the borrower is expected to pay mortgage insurance both at the time of closing and on a monthly basis, and the property must be owner-occupied.


VA loans are backed by the Department of Veterans Affairs and they are guaranteed to qualified veterans and active-duty personnel and their spouses. VA loans can be approved with 100 percent financing, meaning VA borrowers are not required to make a down payment.

Unlike FHA loans, borrowers do not have to pay mortgage insurance on VA loans.


You may also hear about USDA loans, which are backed by the United States Department of Agriculture mortgage program. USDA loans are intended to support homeowners who purchase homes in rural and some suburban areas. USDA loans do not require a down payment and may offer lower interest rates; borrowers may have to pay a small mortgage insurance premium in order to offset the lender’s risk.

What’s a conventional loan? Understanding what it means to be conforming and non-conforming

Buyers who have a more established credit history and a larger down payment may prefer to apply for a conventional loan. These loans may offer a lower interest rate and only require the home buyer to purchase monthly mortgage insurance while the loan-to-value ratio is above a certain percentage, so a conventional loan borrower can typically save money in the long run.

Conventional loans are divided into two types: Conforming loans and non-conforming loans.


Conforming loans are those that meet (or conform to) predetermined standards set by Fannie Mae and Freddie Mac — two government-sponsored institutions that buy and sell mortgages on the secondary market. By selling the loans to "Fannie and Freddie," lenders can free up their capital and return to issue more mortgages than if they had to personally back every loan that they approve.

The main standard for conforming loans is that the amount borrowed must be under a certain amount; in Alaska, a single-family home loan must be under $647,200 in order to be considered conforming.

Properties with more than one unit have higher limits.


But what happens if a borrower wants to borrow more than the Freddie- and Fannie-approved loan amount? In this case, they would have to apply for a “jumbo loan,” which is the most common type of non-conforming loan.

Because the lender cannot resell the jumbo loan (or any non-conforming loan) to Freddie Mac or Fannie Mae, jumbo loans are considered to be riskier than a conforming loan. To protect against this risk, the bank will typically require a higher down payment; the interest rate on a jumbo loan may also be higher than if the same borrower applied for a conforming loan.

What kind of rate should I choose?

Rate types: Fixed-rate vs. adjustable-rate mortgages.

In addition to the loan type you choose, you’ll also have to determine if you want a fixed-rate mortgage or an adjustable-rate mortgage (ARM). A fixed-rate mortgage has an interest rate that does not change for the life of the loan, so it provides predictable monthly payments of principal and interest.

An adjustable-rate mortgage typically offers an initial introductory period with a low-interest rate. Once this period is over, the interest rate adjusts periodically, based on the market index. The initial interest rate on an ARM can sometimes be locked in for different periods, such as one, three, five, seven, or 10 years. Once the introductory period is over, the interest rate typically readjusts annually.

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