Chairman's Elite

Baret Kechian

Branch Manager · NMLS: 9411

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Our Process

What to expect

We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!

Step 1

Apply online

Step 2

Connect & verify documents

Step 3

Contact your loan officer & lock your rate

Step 4

Loan closes & funding is received!

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Client Testimonials

Why we should work together

We worked with Baret to secure a mortgage on our home. Throughout the process Baret was extremely responsive and professional. He has in-depth knowledge of the local market, which is essential when making a decision around what mortgage vehicle would best suit ones needs; especially in the Jersey City / Hoboken area. He customizes loans, while clarifying nuisances, with the lender BEFORE you select a mortgage product to ensure it will approve and close. When working with Baret you can rest assured that he is placing you in the very best for your situation possible. I would strongly recommend him and will use him again in the future.

Aimee S., Hoboken, NJ

Baret is an amazing mortgage consultant and I never hesitate to recommend him to anyone looking to get a loan or refinance. He stays ahead of information and products and helps my clients find the right fit for their situation. He is also an easy going person that nothing seems to be a problem for which is so great to work with in any market.

Bea B.

Baret and his team were excellent to work with throughout our condo purchase, in a compressed time period (less than 60 days from initial viewing to close). He knows the market and works well with brokers, attorneys, and other partners, but was also busy behind the scenes so that we could focus on getting the right condo and not worrying about the packet for closing -- we just showed up, reviewed everything (which was perfect) and moved in. Great experience, highly recommend Baret and his team.

Dave W., New York, NY

Got a good rate with no points on a FHA mortgage when we bought our home 2 years ago and refinanced the next year at 3.75% for a few hundred dollars. We tried a few other banks and they either gave us a smaller mortgage, or higher rate, and sometimes with points. Baret actually reached out to us to see if we were interested in the refi, as we weren't in the market to do so at the time.

Hasani B., New York, NY

Baret is simply the BEST in the industry! He has more knowledge & creativity with difficult loans & always comes through with every client. I would highly recommend him to anyone looking for a mortgage, you will not be disappointed!

Ingrid H.

Baret was recommended by family and friends and he turned out to be a a great resource when I applied for a house mortgage. He was able to answer all our questions and has a great wealth of knowledge. We would do business with him again.

Joe D., New York, NY

Whenever Baret does the loan for a client of mine the process is a smooth one and his knowledge of both the local real estate market and expertise in his field are first class. From pre-approval through to closing he is always available to both the client and the agents involved in the transaction and it is always a pleasure doing business with him. Highly recommended.

Lee W.

Baret helped me with a mortgage and the entire process was painless. He is responsive, honest, reliable and creative - we had hit some red tape along the way and yet due to his persistence, were still able to move forward. I have nothing but good things to say and have since referred a few friends this way. Would definitely work with him again in the future.

Lisa T., NY

As a real estate broker it is important for me to be able to refer great people to make sure my clients get to buy the home they want and Baret is remarkable at what he does in both knowledge and service provided. I can say that he does loan for more then 40 clines of mine every year and he has never not closed on a loan that he said he could do. I promise that once you speak with him you will know that there is a difference in mortgage people.

Michael K.

I've worked with Baret for years. The most important thing he brings to the table is consistency. He always follows through and keeps myself and clients in the loop. I never have to worry if the home will close. Very professional and informed.

Natalie M.

Baret had worked with me in the purchase of my home. He is a great resource and knowledgeable about market trends and forecasting. He was referred to me by a colleague and is by far the best recommendation made to us.

Oliver C., Piscataway, NJ

This is the second time I have used Baret when applying for a mortgage, and the experience keeps getting better and better. Each time, the process was smooth from start to finish, and all my worries were put at ease. I wouldn't trust anyone but Baret with my mortgage needs. Thank you for helping me become a homeowner again!

Sarah M., New York, NY

Baret is truly one of the best. His incredible knowledge of the local real estate market as well as the financial markets and mortgage products is above and beyond any I've ever seen. He always responds in a timely manner and is proactive to find my clients the best product that is going to meet their needs. Not only do I recommend Baret to my clients, he helped me with my personal mortgage as well.

Scott S.

Baret has helped many of my clients get mortgages in the Hoboken and surrounding areas for at least the last 10 years. He has also helped me get a mortgage on my current home. As a Licensed Real Estate Broker. Having a knowledgeable and reliable mortgage broker in your group of trusted associates is essential for the benefit of your clients. Baret is truly one of them. He is knowledgeable right of the gate with current rates and needed qualifications at his fingertips to let myself and my clients know if a mortgage is obtainable in most scenarios. He is accessible when needed and from my experience will not attempt to place a mortgage if he feels the property or the clients will not get approved. He has often stepped in to clean-up and save deals attempted by less competent lenders. Baret is at the top of my recommended mortgage brokers list.

Steve M.

Baret handled my mortgage when I bought my place and used him again when I decided to refinance two years later. The closing both times went smoothly without any surprises. He'll answer any questions that you have.

Sumena T., Hoboken, NJ

About
Mortgage Education Videos

About

About Baret

Baret Kechian has been in the mortgage lending industry for 20+ years. Consistently, he is recognized as one of the top originators in the industry and most recently in 2021 ranked #8 out of all mortgage loan originators in the country (as listed by Scotsman Guide Magazine).

His extensive real estate market knowledge of Hudson County and condo expertise enables him to assist potential clients find the perfect home financing options throughout NJ, NY and PA. Additionally, he is devoted to providing Real Estate professionals with up to date information and dependable service. "My own experience as a prospective buyer/seller puts me in the unique position of appreciating what my clients are going through, both emotionally and financially," says Baret. "I also know that the key to the fast-paced New Jersey real estate market is listening to my clients and Realtors, understanding their needs, and delivering quality service every time."

Baret graduated from Rutgers University and resides in Hoboken, NJ. When Baret is not hard at work, he enjoys spending quality time with his wife and daughter and enjoys watching sports, appreciating wine and lounging at his beach house in Point Pleasant. He is also avid about doing P90X to work off stress from the fast-paced career that he enjoys so much!

loanDepot congratulates Baret Kechian for his ranking as a Scotsman Guide 2021 Top Originator. Baret Kechian was ranked #6 in Overall Purchase Volume and #8 in Top Dollar Volume. Baret also ranked #6 in the Top 200 Mortgage Originators in America 2019 as listed in Mortgage Executive Magazine.

PA LIC# 32121 | NY | NJ LIC# 9914537