Carlos Rivera · NMLS #2286761
Your Vision, Architected into a Home.
Access to over 100 banks nationwide. Credit scores from 500. Zero-down programs. Marine-vet discipline and the strategy of a real estate investor — guiding every loan to the best possible deal.
The Wealth Architect
From strategy to keys
Marine Veteran, Investor, and Loan Officer — at your service.
Hi, I'm Carlos Rivera — a Home Loan Officer with Barrett Financial and a Marine Corps veteran. With 5+ years in the mortgage industry and access to over 100 banks nationwide, I bring discipline, transparency, and relentless commitment to every deal.
As a bilingual real estate investor, I offer a perspective most loan officers can't — I'll put my own money on the line to secure the best deal for my borrowers.
Barrett Financial is licensed in all states except NY
24/7 honest communication
Strategic advice rooted in real estate experience
Personally invested in the best outcome for you
Bilingual service — English & Spanish
Portfolio of Solutions
The right loan for the life you're building.
Conventional
Flexible terms for buyers with solid credit. Competitive rates and predictable payments.
Jumbo Loans
Financing above conforming limits for luxury homes and high-cost markets.
FHA Loans
Credit scores from 580. As little as 3.5% down — ideal for first-time and growing families.
HELOCs
Tap your home's equity for renovations, debt consolidation, or investment capital.
VA Loans
Zero down, no PMI, for our veterans and active military. A benefit earned — honored here.
Land & Commercial
Specialized financing for land acquisition and commercial investment property.
Barrett Financial · NMLS #2286761
Relevant Information
The Blueprint
Four steps from dream to keys in hand.
