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!
NY | NJ | CT LIC# LO-68976 | FL LIC# LO87200
Mortgage Education Videos
user4641913 from Queens , NY via Zillow
Rafael is amazing to work with! Very timely, professional and holds your hand throughout the whole process from start to finish! Rafael, Katara have our constant business. this is the third time working with them , we refinanced with then earlier this year and another bank rejeceted to application while they made it happen. Def recommend them!!
Carlos R. from Queens , NY via Zillow
Rafael is top notch at his field . He help me purchase and refinance my home not once but twice. I always felt that he understood my needs and was on my side trying to get me the best deal , he was very honest , patient ,knowledgeable and accessible to answer all my questions at any time. I will definitely recommend and work with him in the future to accomplish my goals in reality purchases and investments . Thanks
Angel Ureña from Wilton , CT via Zillow
Rafael and his team were incredible. They made what's otherwise a stressful time as easy as could be. They were knowledgeable, attentive, responsive, and, most of all, helpful. If you're looking for a lender, look no further than Rafael and his fantastic team. My family and I will forever be grateful to them!
lrb4dh from New City , NY via Zillow
Rafael was so awesome he was helpful, and always answered my called or text any time of day. He was able to get my loan clear to close very quickly I would recommend him to all my friends and family
Ariel Colon from Montgomery , NY via Zillow
We received professional and helpful service on our first home purchase. Every question we had was answered in a timely manner. Rafael was easy to talk to and made sure we understood everything that was presented to us. We were very pleased with Rafael and his team. We will absolutely use him again in the future. God bless and thank you!!!
R Lesly from Valley Stream , NY via Zillow
Rafael is very knowledgeable and responsive. He spent time answering all of my questions and educating me on this process. I highly recommend Rafael for anyone looking to purchase or refinance their home.
George and Abigail H from E ATLANTC BCH , NY via Zillow
Rafael and his team helped us with the refinance of our home 2 years ago as well as the purchase of a new home this year. Both experiences were great, that's why we continue to use him :) Rafael is patient, extremely knowledgeable, and has a great team at Loan Depot that help streamline the process. If we ever had a question, we could call, text, or email him and we always got a timely response. Rafael is great because he doesn't just rely on email and text. He called us several times so that he can explain things in details and field any of our questions, that was super helpful! He also studies the markets (bond, stock, housing, etc.) so he is able to offer really great advice throughout the process and even beyond. We have Rafael on our speed dial because if we ever have a question about one of our properties, or a potential purchase, he helps us talk through it and understand all the variables. Aside from being a great lender, Rafael is a valuable resource to have. He will definitely continue to be our guy that's for sure! With that said, if you're looking for a good lending team, definitely speak with Rafael and his team, you won't regret it. Big shout out and thanks again to Rafael, Steve, and Katara for all their hard work and efforts during our refinance and home purchase! You guys are awesome and we truly appreciate it :)
Evan R from Greenlawn , NY via Zillow
I've used Rafeal for 3 mortgages the most recent in July of 2021 and each time I am pleasantly surprised by his professionalism and attention to detail.
Cristiel M from Central Islip , NY via Zillow
Rafael Reyes helped me out with my refinance. The entire process was very smooth from beginning to end. Rafael followed up and communicated every step of the way and he was very patient with us. The entire Loan Depot team was great and I will definitely contact Rafael for any future lending needs. I encourage my friends and family to do the same!
Jedd Goldinger from Syosset , NY via Zillow
The Loan Depot team was great. Rafael Reyes did an amazing job and far exceeded my expectations. I have been through the mortgage/lending process several times with big banks. This was by far a better and more efficient experience. There were some finer points to my loan that needed to be addressed with care and professionalism. Rafael took it upon himself to champion the loan and got it closed in a smooth and efficient manner. I'm looking forward to referring friends and family to this terrific team and lender.
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I'll be in touch shortly, and look forward to helping you find the right loan to fit your needs.