Mortgage LOAN originator

I provide home loans for individuals looking to buy or refinance California real estate.

I specialize in 1 to 4 unit residential home mortgages for all of California. I invite you to browse my website to learn more about me and the types of loans you may qualify for. Please do not hesitate to contact me by using the contact form below or by calling 619-948-4627.

EXCEllent Support & Expert Guidance

I take great pride in providing my clients with:

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The education you need to make wise decisions about your loan options.

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Consistent communication and follow up throughout the entire home loan process.

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A solid strategy for obtaining a home loan that will help you achieve the dream of home ownership.

VA LOAN

A Department of Veterans Affairs government-insured mortgage for those who have served in the United States Armed Forces. The home must be your primary residence and requires no down payment.

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FHA LOAN

A Federal Housing Administration government-insured mortgage that requires a low down payment of 3.5%, and is generally 0.5-1% below rates being charged on a conventional loan. Less stringent requirements for qualifying can benefit most first-time home buyers.

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CONVENTIONAL

A loan that is not guaranteed or insured by any government agency. It typically requires a minimum down payment of 5%, but there are programs that allow you to go as low as 3% down payment as long as your income meets the requirements for the program.

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Eugene Reyes

NMLS #348041 | DRE #01723076

I am a native San Diegan and veteran of the United States Marine Corps. After leaving the Corps as an Avionics Technician, I took my technical experience and started a new career as an Information Technology Specialist for a local aerospace company. During this time, I saved money and started an investment group involved in the acquisition of small businesses and real estate. The satisfaction of crunching numbers for my investors helped me decide it was time to “clock-out” of Corporate America and go on my own. As a result, I ended up consulting for a small financing firm specializing in procuring private money loans, a.k.a. “hard-money”, for high net-worth business owners. This required long hours of analyzing financials and underwriting files before placing it with investors. Several years later an opportunity opened for me to purchase a local fast-food Filipino take-out restaurant. Before I knew it I went from selling hard-money loans to selling fish! After almost two years of re-branding the restaurant, I sold it and took a short sabbatical. Subsequently, I went back to originating loans. This time my mission would be to focus on helping families going through the home loan process in this competitive real estate market. I realized that offering a business-like approach would help alleviate some of the common stresses encountered when purchasing or refinancing a home. After all that I’ve gone through, I love that I can draw upon my past experiences because it gives me the ability to provide a high level of counsel. My reward is the satisfaction of helping families achieve their dream of home ownership. My clients often say that they benefited from the knowledge they gained from the experience because it helped them make wise decisions during the loan process.

I understand the importance of family and establishing generational wealth through real estate. You can trust that I will be your advocate as I represent you and your family with their best interests in mind. Call me to schedule your initial strategy call. I look forward to hearing from you!

“The best time to plant a tree was 20 years ago. The second best time is now.” ~Chinese Proverb

Why Choose Eugene Reyes?

Purchasing real estate of any kind is a big investment. Therefore, finding the right loan for a client is my only goal. —Eugene Reyes

First Time Home Owner

“As a first time home buyer, I didn’t know the first thing about buying a home. Eugene made sure I understood the whole loan process. He was patient and always readily available when I needed help … even after purchasing my home. —Mel D.

Your Home, Family & Future

“Made today, a smart real estate purchase can become the foundation for your family’s future financial growth.” —Eugene Reyes

San Diego Home Owner

“Eugene was so professional throughout the entire loan process. He made sure I was informed and went out of his way to help me understand everything and get all the documents I needed. He was patient and attended to my needs in a timely manner.” —Agnes P.

Associations & Memberships:

Home Buyers

Most Frequently Asked Questions

I am ready to purchase a home? Where do I start?

You should begin the process of getting pre-approved for a home loan. This will help you understand what price point you need to be at relative to your budget for your monthly housing expenses.

Contact me and I will analyze the status of your current situation and will help you get pre-approved for a home loan.

I am a veteran and i used my VA home loan benefit to buy a house several years ago. does that mean i Can't use it again?

You can use your benefit more than one time. By obtaining a copy of your current Certificate of Eligibility, we can determine the status of your VA housing benefit and what you are eligible for.

Contact me and I will help navigate you through the process.

What is the minimum down payment I will need to buy a home?

Depending on what loan program is used, you can expect to put down 3.5% or 5% of the purchase price of the home. There are programs that you may qualify for that will allow you to put as little as 3% down.

Contact me to learn more. I will help you determine what home loan option best suits your needs.

Is now a good time to buy a home?

It’s important to carefully consider your current housing expense and financial situation before making a decision to buy a home. You should also take into account current market trends and interest rates, as they can affect the affordability of a mortgage.

Additionally, it’s important to consider your long-term goals and whether owning a home aligns with those goals. Buying a home can provide financial stability and potential long-term benefits, but it also comes with additional responsibilities and expenses, such as maintenance, property taxes, and insurance.

Ultimately, whether it’s a good time to buy a home depends on your personal circumstances and the current state of the housing market. It’s a good idea to consult with a trusted real estate professional to help you make an informed decision.

Contact me and we can discuss your current situation.

what are the top 5 reasons why you should work with a mortgage broker?

1. Access to multiple lenders: Mortgage brokers typically have relationships with multiple lenders, which means they can offer you a wide range of mortgage options than if you were to go directly to a single lender or bank.

2. Expert advice: A mortgage broker will provide expert advice on mortgage products, interest rates, and repayment options based on your personal financial situation.

3. Save time and effort: Instead of spending time researching different lenders and mortgage products, a mortgage broker can do the legwork for you and present you with a range of options that meet your needs.

4. Better negotiation: Mortgage brokers often have more negotiating power with lenders than individual borrowers, which means they will be able to secure a better interest rate or more favorable loan terms to fit your unique loan requirements.

5. Assistance with paperwork: Obtaining a mortgage can be a complex process, but a mortgage broker can help guide you through the paperwork and documentation requirements, ensuring a smoother and less stressful experience.

Overall, working with a mortgage broker can provide a range of benefits that can save you time, money, and effort when obtaining a mortgage.

CONTACT

Eugene Reyes

NMLS #348041 | DRE #01723076

RATE REPUBLIC, INC.

NMLS #2190509 | DRE #02144287

690 Otay Lakes Rd, #230

Chula Vista, CA 91910

619.948.4627

Fax: 619.765.3031

I am happy to answer any questions you may have. Simply leave your name and email below, along with a brief message regarding your home loan needs.