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
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!
poisonive098 from Bethpage , NY via Zillow
Rafael Reyes was very easy to work with. Efficient, professional and courteous I would recommend Rafael to anyone who is looking for a lender without the headache. He was in constant communication, answered all my questions before, during and after the refinance was done. No need to look elsewhere!
Jonathan Castillo from Mount Vernon , NY via Zillow
Rafael is great and really knowledgable at what he those. Is like he becomes part of your family throughout the process. Ill make sure if we get another loan would be with loan depot especially with Rafael and his team of sale agents.
Yanira from Queens , NY via Zillow
We worked with Rafael Reyes from LoanDepot to refinance our mortgage. Our mortgage payment was high and we wanted to lower it. Rafael was able to lock us in a lower rate. He took time out to answer and explain in detail (when needed) the process to ease our concerns. He was always honest and reliable throughout the entire process. We’re very pleased with the outcome! Thank you Rafael for treating us as people and not just like home loan customers. You stand above the rest!
Diana Safyan from New York , NY via Zillow
Thank you so very much to Rafael Reyes and his team for making the loan process easy and stress free!!! He is extremely knowledgeable and spend a lot of time helping us choose the right loan. Rafael was always quick in answering our questions, and kept us updated as needed. Rafael is organized, thorough & professional, as well as kind which made all of the difference in our interactions. We put our trust in him and he most definitely came through for us. We are thankful for his patience as well as treating us as friends rather than just home loan customers. He definitely stands above the rest.
David C. from East Northport , NY via Zillow
I had the pleasure of working with Rafael for my refinance. The entire process was as seamless as could be from beginning to end. Rafael followed up and communicated every step of the way. Having gone through the mortgage process several times I can say hands down this was the best experience I’ve had with a lender. I’ll be using Rafael for all of my future Lending needs and would encourage my friends and family to do the same...Thanks Rafael!
lantiergregory from West Babylon , NY via Zillow
Did a mortgage Raphael just about a year ago without a hitch just completed a refi not a hitch couldn't ask for better service could have done it without him thanks Raphael kids like to watch them
Nicole Williams from Brooklyn , NY via Zillow
Rafael was amazing and patient throughout the entire process. He explained everything clearly and made helpful suggestions. Everything went according to plan and in a timely manner.
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