What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Why we should work together
I enjoy helping everyone, from commercial property owners to young families similar to my own; navigate the intimidating world of Real Estate finance. Putting them in better positions to succeed- brightening futures in the process. 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 they are comfortable 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 clients interest ahead of all else has helped us grow our business in this challenging environment. My life philosophies are simple- "without integrity, nothing works".
Produce what you promise!
Mortgage Education Videos
J Germosen from Queens , NY via Zillow
I recommend Rafael and his associates at loandepot. They were incredible, super understanding and honest at all times. I appreciated all their help through the process.
nykeegan from ROCKAWAY BEAC , NY via Zillow
I purchased my first home with the help of Rafael. He was patient, explained everything to me, answered all of my questions and kept in contact throughout the process. We got a way lower interest rate than other companies had told us! Our entire process was seamless without any issues!! Highly recommend going to Rafael!
Billy P from Oceanside , NY via Zillow
I’ve refinanced with Rafael twice for two different homes and he is on point. He hustles to get his clients the best deal he can. Both times I got excellent rates. Communication lines are always open and he remains honest through the entire process. I’ll never recommend anyone else!
Benjamin JeanBaptist from Yaphank , NY via Zillow
Rafael and his team did a great job on my three mortgage refinances. He had very good recommendations, was extremely responsive, and needless to say the professionalism was world class. I would recommend him to anyone. A++
khushi 4life from Brooklyn , NY via Zillow
Rafael is one of the best loan officer I have worked with and I’m in banking industry. He worked with me very patiently and did everything in his hand to get the loan approved. I would recommend him to family and friends for sure.
Sanela Vukovic Repas from Hoboken , NJ via Zillow
We had Rafael recommended by two different sets of friends and he really deserve all the praise. We got all the guidance we needed. He always answered the phone and was available for everything we needed. Truly great-full for all the help.
H. Ortiz from Queens , NY via Zillow
Once again Rafael Reyes has come through for my family and I. This is my second time working with him and he is very professional, knowledgeable and passionate about what he does. I would definitely recommend Rafael and his team at LoanDepot for all of your mortgage needs. Thank you very much and keep up the good work!
Sean M from Syosset , NY via Zillow
I can not even begin to say enough positive things about Rafael and my overall level of satisfaction from my entire experience working with him. Given the current environment and my need to relocate quickly, I had an extremely aggressive timeline that i needed to close within, and was therefore speaking to several different banks/lenders/brokers (10+) in attempt to get best deal but also that the deal wouldn't be pushed aside as soon as i committed to use their lender. Rafael's professionalism was immediately apparent, and his honest candor when he explained he would give my loan the full attention it deserved was comforting, relieving stress instead of adding more to what was already a stressful situation. He was always available throughout the entire process, answering any and all of my questions immediately, and often proactively reaching out because he knew i was hoping to complete as soon as possible. At the actual closing, both the seller's lawyer and my own lawyer did a "double take" when they saw that the date of the initial contract, compared to the date on day of the closing, and couldn't believe my lender went from start to finish in under 6 weeks, particularly when taking into consideration that included the week of July 4th when many people werent available, and the current pandemic! This was all the direct result of Rafael's commitment, his ability to manage the strong team assembled to support him, and his expert knowledge of the mortgage industry and mortgage process. And i do not use the term 'expert' loosely. He earned that adjective consistently by answering all questions or explaining process in an efficient yet effective manner such that a layman like myself could quickly understand both the current situation and what needed to be done to keep the process moving along. And I havent even gotten to the best part, which is that of all the lenders i spoke with, he was able to get me the best rate! End of the day, just an all around pleasure to work with!
santos0127 from Manhattan , NY via Zillow
I was referred to Rafael in December 2019 when I was buying my apartment in NYC. Rafael and his team were extremely professional and knowledgeable of the mortgage business and process. My buying process had multiple challenges and Rafael dealt with all of them with professionalism and a solutions oriented approach every time. Getting to the finish line was a true roller coaster ride. Rafael tightened his seat belt and kept working through every obstacle and change of direction I threw his way. It was an absolute pleasure working with Rafael and his team and knowing that he always had my best interest in mind. If you have any loan needs, you MUST work with Rafael. He will guide you through the process and make sure you get the outcome you are looking for.
llazo187 from Wantagh , NY via Zillow
Thanks to Rafael and his team, we are now first time homeowners! Rafael, Steve, and Katara were always available to answer all my questions whenever I had them. I ran into a couple of issues before finally closing but the team was always there to tackle the issues at hand. Thank you Rafael and team for helping us to make this dream come true!
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Crunch your own numbers with our mortgage calculators. Run as many different scenarios as you’d like to see how much home you can afford.
I'll be in touch shortly, and look forward to helping you find the right loan to fit your needs.