Carlos Rivera
NMLS 2286761
5 years of Experience.
Home Loan Officer | Prestamista Hipotecario
Marine Veteran | Real Estate Investor
📍 Based in Lubbock, TX |
Serving all U.S. states except NY
Hi, I’m Carlos Rivera, a dedicated Home Loan Officer with Barrett Financial. With access to over 100 banks nationwide, I specialize in helping clients find the best financing solutions — whether you're buying, refinancing, or investing.
With 5+ years of experience in the mortgage industry and a background as a Marine Corps veteran, I bring discipline, transparency, and commitment to every deal. I’m also a bilingual real estate investor, which gives me a unique perspective to better serve realtors, homebuyers, and fellow loan officers.
What sets me apart?
✅ 24/7 honest communication
✅ Strategic advice rooted in real estate experience
✅ Willing to put my own money on the line to secure the best deal for my borrowers
If you're looking for a reliable and knowledgeable loan officer, I’m here to guide you every step of the way.
📞 (806)-905-6066
📧 crivera@barrettfinancial.com
📌 NMLS ID#: 2286761
🏢 Company licensed in all states except New York
Your Trusted Loan Officer
Areas of Expertise
As a Home Loan Officer, I work carefully and diligently in order to provide my clients with the financing solutions they deserve. To me, there’s nothing more important than client satisfaction, which is why my promise is to find the best mortgage for each client based on their financial situation and property preferences. Read more about how I can make mortgages fast and easy for you.
What credit score and down-payment do I need?
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I work with more than 100 different banks. I can work with credit scores as low as 500! Ask me about my 0% down payment programs!
I can also help you with land loans and commercial loans.
Let's talk today to explore your options of becoming a homeowner!
Do you already have a preapproval from another bank?
I pride myself in offering the best home loans for my clients.
If you already have a preapproval from another company and I cannot match it or beat it I will personally send you a $1000 Visa gift card for wasting your time.
Just send me your LOCKED loan estimate from the other guys.
Calculator and Areas of service
Our company can help you anywhere in the US. Except New York. Since We are currently not licensed there. (For now)
Please click below to obtain access to our different calculators!
They are super easy to use!
If you have any questions feel free to call me! 858.314.9127
Client Testimonials
"Carlos is very informative and was available anytime I needed to answer any questions I would have. He helped take a lot of the pressure away simply walking me through this whole process. We are very pleased with the service he provided for us."
Luis M.
"He is really good! He helped us get our home and was really patient! Thank you so much for all your help!"
Brianna C.
"100% recommend Carlos Rivera for your home loans. He will get you the best deals. You can do your shopping around and will find out he will beat every body else. He will help you every step of the way and answer all the questions you have."