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Rafael Reyes

Vice President of Mortgage Lending
750 Lexington Ave, 4th Floor, New York, NY 10022
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NMLS: 68976
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Rafael Reyes did an excellent Job- He handled our transaction with the utmost level of integrity and compassion. He takes took the time to patiently review and explain the process of obtaining our mortgage. He was an extreme pleasure to work with and will definitely refer friends and family; a true professional.

JEFF V. - Huntington, NY | Jan. 2016

Rafael Reyes and his team were very informative and thorough throughout the whole process, that made the closing process that much easier and we were able to close on the set date that we aimed for. Totally professional and we are totally satisfied.

MERCEDES V. - New York, NY | Dec. 2015

Rafael was the best call we ever made!! Rafael and his team epitomize the true meaning of solid customer service. From the initial meeting until...even this very morning (a week after closing), Rafael has made it a point to keep us informed every step of the way, which was very important to us as nervous first time home buyers. His patience and availability to answer any and all questions we had (A LOT!) was much appreciated. I would most DEFINITELY recommend Rafael and his team of...

Marlene R. -- Bronx, NY. -- 10/3/2014

Rafael was very professional, helpful and went out of his way to assist me in my dreams of becoming a homeowner!

Antonio M. -- 8/31/2014

The experience was awesome! Rafael was organized and prompt throughout the entire loan experience!

Victor C -- Bronx, NY 4/23/2014

"My wife and I had the pleasure of working with Mr. Rafael Reyes out of the Manhattan office. It was a enjoyable experience. I thought the mortgage process was going to be stressful but it was a piece of cake. Due to Mr. Reyes being upfront from day one about the process and what to expect. He never left us in the dark, anything that he needed he informed us weeks in advance. During the approval process he was right by our side letting us know each step. I could type forever if I could so I...

Victor S. -- Bronx, NY. -- 1/2014

“I have been Rafael Reyes’s client for over two years. He has helped my family and me achieve the American Dream. Rafael went far beyond the norm in answering all my questions and concerns – during and after business hours including weekends…which no bank does! He is always honest, loyal and a man of his word. A year after my closing, Rafael called me to let me know I could refinance my home and bring down my mortgage payments and save $70,000 in all. I am proud to say today that I closed on...

Chris F.

“I recently purchased a home in Woodhaven, NY. I got my pre-approval by the mortgage specialist Rafael Reyes within 2-3 days. I was so excited - and was surprised that within three months, I was already in contract and had my closing. Now it has been 2 months since I moved in. Now that I have more privacy to myself and more room for a dog, I recently bought a toy poodle and she loves it too. Now she is the new member of my family – only two months old and her name is Ginger. It has been a...

Jenny H.

"Working with Rafael and his team has been a pleasure. Rafael is very knowledgeable and a pleasure to work with. He was able to get me the best rates out there as well as guide me through every step of the process. Rafael was always there when I needed him and even called me and followed up on things on weekends! I would recommend Rafael and his team in a heartbeat!"

Jose R.

"Rafael Reyes helped me get the home of my dreams! It was also his idea for me to start house hunting. He introduced me to his realtor who showed me the house that fit my criteria. I was super-nervous but Rafael didn't stop working until he got the job done! It was very difficult. I got denied and he kept working on it. It was very hard for me because I am 24 years old, this is my first large purchase and I didn't have enough credit history. But Rafael Reyes assured me that he would get the...

K. Bruce

"Rafael Reyes is a knowledgeable and detailed mortgage advisor. He is tenacious, extremely organized and very professional. Purchasing a home in today’s marketplace requires a committed and thorough expert, one who understands and can adjust to all the rapid changes continuously occurring. Throughout our loan process, we encountered many ups and downs - even at closing. Lucky for us Rafael was present and managed to make it happen along with his team. He sets the bar when it comes to working...

Henry and Lillian O.

"Thank you for all your help throughout the home purchase process. From our first meeting, we were impressed with your depth of knowledge, expert advice, dedication and passion. You went way beyond your area of expertise to ensure it would all go smoothly for us. We felt a true friend was guiding us all along the way; you were the true coordinator of the process. Your compassion, organizational skills, speed and confidence in navigating through stressful situations are all qualities we will...

Liviu M.

About Rafael

My passion for both Real Estate and finance led me to the mortgage industry in 2006, three short months before the "meltdown". Prior to entering the business, my wife and I owned a restaurant in Downtown Brooklyn. It was a daring idea, being that we never worked a single day in a restaurant prior to the venture. Ironically, the 2 years spent there created an unbreakable fabric of determination and resilience that I carry into my mortgage practice every single day. I enjoy helping everyone, from 50 unit commercial property owners to young families similar to my own; navigate the intimidating world of mortgages and Real Estate finance. Expect to see me at your closing, just as excited as you when you get handed the keys to your first home. I understand the anxiety that goes into buying a home or refinancing, so I make myself available anytime for my clients- including weekends and after normal banking hours. It's vitally important to me that valued clients are comfortable, there are no "surprises" and know what to expect every step of the way. Our volume based business model enables us to close in a fraction of the time, while offering lower rates than most lenders. Putting our client's interest ahead of all else has helped us grow our business exponentially every single year since entering the business. This led to being recognized twice by the well respected publication, The Queens Courier. I was honored as a Rising Star in 2012 and Latino Star in 2015. My life philosophies are simple- "without integrity, nothing works". Produce what you promise! Visit my website to educate yourself on how to make the home purchase process a smooth one.

Rafael interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
10 years
Who is your typical customer and what questions do they typically have?
First time home buyers. What is the process like? Do they qualify?
What specific steps do you use to help your customers find the best home loan for them?
I identify their time horizon in keeping the home, identify their liquid assets and educate them on reducing risks when purchasing a home.
How long have you been in the mortgage business? What awards have you won?
10 years. Rising Star in 2012, Latino Star in 2015 by The Queens Courier
What advice would you give new or first time home buyers?
Fail to plan, plan to fail. Being crystal clear on your looking for in a home (location, amenities, etc) and preparation is the key to a smooth process. You should get pre-approved at least 6 months prior to looking at the first home just in case some adjustments need to be made.
What can borrowers do to insure a smooth mortgage underwriting process?
Be organized. Have all your income, banking, payroll documents in electronic format in one place for easy submission. Do not make any large deposits.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I enjoy spending time with my three young daughters, 16, 7 and 6. They are all very active. My two young daughters are gymnasts, swim, dance and are girl scouts. My 16 year old is college bound and intends to play collegiate volleyball.
Tell us something that makes you unique or something wacky, yet interesting about you?
I get up at 5:30am every day even when I don't have too.

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