Everyone has a passion that fuels them — and for Baret Kechian, there are two. One is guiding homebuyers and real estate professionals through the fast-moving Mid-Atlantic market. The other is collecting and appreciating fine wine.
As a Producing Branch Manager for loanDepot in Hudson County, New Jersey, Baret brings a blend of expertise, energy, and personal warmth to every relationship he builds. Although his accomplishments have earned him national recognition, his day-to-day approach remains rooted in something simple: educating people in a way that feels clear, approachable, and empowering.
“Buying a home can feel intimidating — especially in a high-traffic market like ours,” Baret often says. “My job is to simplify the process, explain things in plain language, and give clients confidence at every step.”
Despite graduating with a finance degree, Baret still remembers stepping into the mortgage business without understanding the full picture. That early experience shaped his entire philosophy. He believes every client deserves transparency, guidance, and a professional who truly listens.
For Baret, this isn’t sales — this is education.
New Jersey’s real estate market moves fast, and Baret thrives in that environment. With condos turning over quickly and buyers needing to act decisively, he has built one of the region’s strongest networks of agents, attorneys, and repeat clients. His reputation has been forged through years of consistency, communication, and flawless execution.
The rapid advancement of mortgage technology has only enhanced what his branch can deliver. From digital verifications to streamlined documentation, Baret uses innovative tools to accelerate timelines while maintaining the personal, concierge-level service that clients rely on.
“We’ve embraced technology, but we’ve kept the ‘human’ part where it matters,” he explains. “That balance — high-tech and high-touch — is what creates a great client experience.”
When Baret steps away from the mortgage world, you’ll often find him exploring another passion: wine. What began as a casual interest has grown into a remarkable collection of nearly 900 bottles, all stored in a custom-built wine cellar in his home.
For Baret, wine is more than a hobby — it’s a reflection of his professional philosophy.
“It’s not always about price; it’s about the experience you’re looking for,” he says.
“The same is true in mortgages. My role is to help clients find the loan that fits their goals, lifestyle, and comfort level — not just the one with the lowest rate on paper.”
Even with years of top-tier production, Baret considers himself a lifelong student.
“I’m not a sommelier — I just love learning from people who know more than I do,” he says with a smile. “That’s how I operate in lending, too. When you stay curious and never stop growing, you can serve clients at an entirely different level.”
This mindset has helped him stay ahead in a market known for its competitiveness, complexity, and intensity.
Baret’s extensive real estate knowledge of Hoboken, Jersey City, and the surrounding suburbs gives his clients a meaningful advantage. He is particularly skilled with condos, multifamily properties, and Jumbo financing, making him a trusted resource for both first-time buyers and experienced investors navigating the unique challenges of New Jersey’s market.
He also remains deeply devoted to the real estate agents he partners with, providing fast, dependable communication and solutions that help their clients move forward with confidence.
“My own experience as a prospective buyer and seller puts me in a unique position to understand what clients are going through, both emotionally and financially,” he says. “The key in this fast-paced New Jersey market is listening, understanding needs, and delivering quality service every time.”
Today, Baret stands among the most respected mortgage originators in New Jersey and the greater Mid-Atlantic region. His combination of expertise, efficiency, and authenticity makes him an invaluable resource for buyers, homeowners, and real estate partners seeking clarity in a competitive market.
Whether he’s guiding a first-time homebuyer or assisting a seasoned investor, Baret brings the same standard:
educate clearly, listen carefully, and deliver with excellence.
A graduate of Rutgers University, Baret lives in Hoboken with his wife and two daughters. Outside of work, he enjoys watching sports, spending time at his beach house in Point Pleasant, collecting wine, and staying active with his home workout routine — a balance that helps him recharge and stay sharp in the fast-paced career he loves.
Baret Kechian Licenses: NJ LIC #9914537/NY LIC # 9411/ PA LIC #32121
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