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KARTH BARR

FINANCIAL EDUCATOR • BRANCH MANAGER • NMLS #219563
Stop Chasing the Transaction.
Start Building the Foundation.
How to Reach Karth

I spent 29 years closing nearly $935 Million in mortgages by prioritizing one thing: Education.

I teach you how credit, debt, and liability management become the foundation that makes your next home—or your next investment—possible

+ More about Karth - A steady advisor in a fast-moving market.
My philosophy of education and mentorship has been the key to my business success, but surrounding yourself with an 'A team' is a must.

Karth Barr's journey into mortgage banking began unexpectedly in 1996 while studying economics and finance at the University of Minnesota. Over the next three decades, he developed the financial-education-first approach that fueled his success.

Experience: 29 Years in the mortgage industry.
Volume: Nearly $935 Million in originated residential mortgages.
Recognition: Consistently ranked as a Top Originator by Scotsman Guide and Mortgage Executive Magazine.
Licensed States: Serving clients in Illinois, Indiana, Michigan, and Wisconsin.

The A-Team:
The success of every client is a team effort. Karth's operations are led by his long-time production partner, Megan Gober, who has been by his side since 2006.

This 19-year partnership is the bedrock that ensures every loan flows smoothly and clients receive unparalleled attention to detail.

Your Path to Homeownership
Education First, Transaction Second

As a Branch Manager for Union Home Mortgage, I bring the power of my educational philosophy directly to your loan process.
Whether you’re buying your first home or starting a new chapter, we ensure your mortgage choice fits your financial foundation.

Specialized Programs Address
Your Unique Needs:
Conventional Loans
FHA & USDA Programs
Credit Rehab
Refinance Options
VA Loans
Jumbo Solutions
Renovation Financing
New Construction

Take the First Step Towards Building Your Foundation

Featured In

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Recognized as a Top 1% Producer & Financial Educator.

Selected articles highlighting Karth’s consistency, speed, and market expertise:
Tap image for full article.

KEYNOTE SPEAKING & PARTNER MENTORSHIP

Foundation Finance: The Roadmap to Sustainable Homeownership

The problem in real estate is rarely the rate.
It’s the client’s financial foundation.

Partner with a Top 1% Financial Educator. Leverage 29 years of experience and nearly $1 Billion in volume for co-branded educational seminars that empower your clients.

The Foundation Finance Framework Covers:

Debt & Credit Strategy:Turning liabilities into stepping stones for asset acquisition.

Strategic Home Financing:Utilizing VA, FHA, and Conventional options correctly for maximum benefit.

Life Change Planning:Financial stability through major transitions like divorce or career shifts.

Designed For
Real Estate ProfessionalsFinancial PlannersCPAs

"My financial education series has been selected by the U.S. Military to educate veterans on credit and finance."

How about a helpful resource?

FREE Download:

The Foundation Finance Fast-Track

Get the 5-step checklist I use to prepare clients for qualification. This guide simplifies the credit and debt management strategies that lead to a smooth closing.

Inside the Fast-Track Guide:

  • The "5-Point Liability Check": Understanding what lenders see on your report.
  • Income-to-Debt Secrets: The precise ratios you must hit for the best rates.
  • The First 90 Days: A strategic plan for homeownership readiness.
Send Me The FREE Fast-Track Guide →

Raising Your Awareness:

Questions Everyone Has (But Rarely Asks Out Loud)
Many people focus on the interest rate while their "financial foundation" is actually what's costing them money.
A lower rate on a poorly structured debt profile can still leave you financially strained. Karth’s philosophy is that the problem is rarely the rate—it’s the foundation. By working with Karth now to optimize your credit and liability management, you ensure that when you do move, you qualify for the premier tiers of financing that save you tens of thousands of dollars over the life of the loan, regardless of where the market sits.

Most lenders are "transactional"—if you don't fit the box today, they move on to the next file (Problem).
This leaves you feeling stuck and discouraged (Agitation). Karth operates differently. Through his "Foundation Finance Framework," he provides a roadmap for "Credit Rehab" and debt strategy. He doesn't just tell you "no"; he provides the 5-Point Liability Check to show you exactly what lenders see and how to fix it over a 90-day readiness plan (Solution).

In a fast-moving market, an inexperienced loan officer can miss details that cause a loan to collapse at the last minute.
Karth brings 29 years of experience and nearly $1 Billion in closed volume. More importantly, his "A-Team" includes his production partner, Megan Gober, who has been with him since 2006. This 19-year partnership ensures that you aren't handed off to a rotating door of assistants, but rather supported by a "bedrock" team that has seen every market cycle and complication imaginable.
This is a common misconception caused by lenders who don't understand the program.
Karth’s financial education series has been selected by the U.S. Military specifically to educate veterans on credit and finance. He specializes in utilizing VA options correctly so they become a competitive advantage rather than a hurdle. He focuses on educating both the buyer and the listing agent on the strength of the VA benefit, ensuring veterans can use the 0%-down advantage without the typical "headaches."

How Can I Help You Move Forward?

Whether you're a homebuyer securing your foundation or an organization looking to train a group, I'm here to provide the roadmap.

With over 29 years of experience and nearly $1 Billion in career volume, I’ve dedicated my career to turning complex financial challenges into sustainable homeownership realities for thousands of families.

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