Welcome to Your Trusted Construction and Reverse Mortgage Specialist

Hello, and welcome! I'm Tony Baca, a dedicated mortgage loan originator and business development specialist with Barrett Financial Group, LLC.

Since 1996, I have had the privilege of helping individuals and families finance their homes. Over the years, I've developed deep expertise in a niche area of lending that many loan officers only lightly touch—residential construction loans and reverse mortgage lending.

Construction Lending Expertise You Can Trust

Since 2012, I've specialized in one-time close residential construction loans. I offer financing solutions for manufactured homes, modular homes, offsite-built, and system-built 1–4 unit houses. Whether you're building your dream home from the ground up or working with a factory-built system, I understand the unique needs and challenges that come with construction lending.

In 2015, I expanded my construction loan expertise regionally and later nationally, helping one of the largest mortgage companies in the country build their construction lending platform. Through my efforts, construction loan volume grew from $5 million to over $50 million, serving hundreds of clients across the U.S.

Today, I continue to help borrowers in Nevada and beyond with a full suite of construction financing options:

• VA 0% down construction loans
• FHA 3.5% down construction loans
• Conventional 5% down construction loans
• FHA 203k renovation loans
• Fannie Mae HomeStyle® renovation loans

I take great pride in making the construction loan process clear, efficient, and achievable for my clients, whether they are first-time builders or seasoned investors.

Reverse Mortgage Solutions: Purchase, Refinance, and Construction

After partnering with a 30-year veteran of the reverse mortgage industry, I added reverse mortgage lending to the specialty products I offer.

If you—or a loved one—are exploring retirement solutions, I can help you secure financing through:

• Reverse Mortgage for Purchase (H4P)
• Reverse Mortgage Refinance
• Reverse Mortgage Construction Loans

Reverse mortgages can offer unique opportunities for seniors looking to downsize, purchase a new home without monthly payments, or tap into equity for retirement security. I am here to guide you or your family through this often-misunderstood process with care, clarity, and genuine respect.

Why Clients Choose to Work With Me

✔ Experience: Nearly 30 years of mortgage lending expertise, with a strong focus on construction and reverse mortgage loans.

✔ Specialization: Deep knowledge of niche lending products that most lenders don't handle.

✔ Personalized Service: I don't believe in "one-size-fits-all." Every client gets the time, attention, and customized guidance they deserve.

✔ Proven Results: I've helped grow construction and specialty loan programs from small beginnings into national platforms.

✔ Local Understanding: Based in Nevada, I proudly serve clients in Las Vegas, Pahrump, Henderson, and surrounding areas—and beyond.

Whether you're planning to build your dream home, finance a renovation, or find new ways to thrive in retirement, I am here to help you succeed.

Let's Make Your Goals a Reality

I invite you to reach out and discover how we can turn your homeownership or retirement goals into a reality. Whether you're ready to start today or just beginning to explore your options, I'm happy to answer your questions and guide you every step of the way.

Contact me today for a consultation. I look forward to working with you!