loan officer

Brett Baratt

Loan Officer

NMLS 1423967

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    “I come from the stock market, where everyone is in it for themselves. When they brought me in here, they really believed in me. That has changed how I do business.”


    Brett majored in economics at Albany University. While first out of college, Brett worked in the stock market. It was a challenging part of his career and although he learned and grew a lot, he soon realized he did not find the practices of the stock market industry to be very tasteful and wanted a role that aligned with his morals and ethics. Through a well-fated interaction with Mike and Brian, Brett was asked to join Fellowship.

    Brett feels very thankful for his time at Fellowship, and shared with us: “I came from the stock industry where it felt like no one believed in you, or cared if you succeeded or did well. Then I came here and it’s the exact opposite. Everyone wants you to do well and they believe in you. In the stock market everyone is in it for themselves.”

    With aspirations to someday be a branch manager, Brett works really hard to give the ideal service possible in his position. In his free time, Brett enjoys playing college flag football, and he enjoys watching pro sports. He is an avid Jets fan.


    Through Fellowship Home Loans, Brett offers a wide range of mortgage services including home purchase loans and mortgage refinance loans. Refinance options include the HARP program, Adjustable Rate Loans, Conventional and FHA Financing and Fixed Rate Loans. Purchase loans include Fixed Rate Loans, Adjustable Rate Loans, FHA Financing, and VA Home Loans.

    Brett analyzes each client’s situation and fully explains the drawbacks and advantages of each loan type. Brett spends the necessary time to learn about each client’s unique goals and financial situation. He looks at every possible loan option that they are eligible for before advising his clients on what he believes is their absolute ideal choice.

    Brett takes a customer focused approach to each and every mortgage he finds for his clients. He fully explains the terms of each loan so that clients have a full education and understanding of their obligation to repay and their expected monthly costs during the life of the loan. He encourages his customers to ask questions throughout the process, and he goes the extra mile to make himself available for support.

    The mortgage services that Brett offers through Fellowship Home Loans are based on the principles of honesty, compassion and love for God. Every client receives the full attention and support that they need as they accomplish their dream of owning a home or their goal of finding a great refinance loan. Brett always strives to ensure that every client ends up with their ideal home loan with the most competitive cost possible, along with manageable payments.


    Brett is truly a mortgage expert who has become a valuable and trusted adviser for his clients. Brett relies on his vast experience when advising his clients on their ideal loan options and helping them successfully accomplish their mortgage goals no matter what they are seeking.

    He has also worked with clients from all walks of life and helped thousands of people find the perfect mortgage option. Throughout the years, Brett has established a reputation for being an honest mortgage professional, and many of his clients have followed him from his prior work experience in the retail mortgage world to Fellowship Home Loans.


    "Great social skills timely and easy to talk to" – Gary Y, Baltimore, MD

    "Brett was always there every step of the way. ” – Barbara S, Athens, GA

    “Very nice and worked hard on my refi.” – Kim S, Rockaway, NJ

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