Latoya Barrett

Latoya Barrett is a highly respected mortgage professional with more than 25 years of experience helping clients secure financing tailored to their financial goals and homeownership dreams. Since beginning her career in 1999, she has built a reputation for exceptional service, deep product knowledge, and a strong commitment to expanding access to homeownership across diverse communities.

As a New Market Mortgage Loan Originator with U.S. Bank, Latoya serves a wide range of borrowers throughout North Carolina, with a strong and well‑established presence in the Charlotte market. Her expertise spans first‑time homebuyer programs, lot loans, construction‑to‑perm financing, and customized lending solutions for private wealth clients seeking strategic, relationship‑driven guidance.

Latoya is widely recognized for her mastery of affordable housing and down‑payment assistance programs, including CPLP, House Charlotte, and numerous state and local initiatives designed to support sustainable homeownership. She partners closely with community organizations, faith-based institutions, and industry professionals to ensure borrowers receive clear guidance, education, and support throughout the lending process.

A committed industry advocate, she is active in organizations such as NAREB, NAHREP, NAMMBA, and the Women’s Council. She continually invests in coaching and professional development to elevate her client experience, strengthen her systems, and expand her impact across the markets she serves.

Beyond her professional accomplishments, Latoya is grounded by her family and her faith. She has been married to her wonderful husband, Cedrick Barrett, for 26 years—an enduring partnership that plays a meaningful role in both her personal and professional journey.

Known for her problem‑solving abilities and her dedication to helping clients navigate even the most complex financial scenarios, Latoya blends expertise, empathy, and results‑driven focus to help individuals and families build stability and wealth through homeownership.