Secure Your Dream Home with Reyes Lending Group Today!

Unlock the door to your dream home with Reyes Lending Group, powered by Avalon Biz, LLC. Expert advice, flexible loans, and personalized service await. Start your journey today!

Explore Mortgage Solutions Tailored For You

Explore a variety of tailored mortgage solutions designed to fit your unique financial needs, from first-time home buying to refinancing options. Experience personalized service with Reyes Lending Group.

Explore Our Tailored Mortgage and Loan Solutions

Explore tailored mortgage solutions designed to match your financial goals.

Flexible Home Purchase Loans

Home Purchase Loans: Offering a variety of mortgage options to suit different needs, with expert guidance through every step of buying your new home.

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Flexible Refinancing Options

Lower your monthly payments, adjust your loan terms, or access the equity in your home with our tailored refinancing options suitable for various financial situations.

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Flexible Government Loans

Specializing in FHA, VA, and USDA loans, we offer low down payments and flexible eligibility requirements, assisting specific rural and military families.

Home Equity Loan Options

Explore the financial power of your property with our competitive home equity loans for renovations, education expenses, or other significant costs.

Jasmine Richards

Smooth first home purchase experience thanks to Ivan Reyes' guidance with a FHA loan . Really felt supported every step of the way!

Monica Chandler

Explored various lenders but Ivan Reyes really stood out. His product loans and refinancing options made our home upgrade stress-free. Highly recommend their thorough, no-hassle process!

Thomas Krazinski

Opted for a Home Equity Loan. Simple process, reasonable rates. Quite handy for my renovation project. Satisfied overall.

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FAQs

Your Mortgage Questions Answered Clearly and Concisely

What credit score is needed to qualify for a mortgage?

Typically, a score of 620 or higher is needed for conventional loans. Government-backed loans may allow lower scores.

How do I know which type of mortgage is best for me

Choosing the right mortgage depends on several factors including your financial situation, how long you plan to stay in the home, and how much you can afford for a down payment. Our experts will guide you through the options and help determine the best mortgage option for you.

What are the current mortgage rates?

Mortgage rates fluctuate based on market conditions. Please contact us directly for the most current rates. Our team is always ready to discuss how these rates can affect your mortgage plan.

What is the difference between a fixed-rate and an adjustable-rate mortgage?

A fixed-rate mortgage has a constant interest rate and monthly payments that never change, ideal if you plan on staying in your home long term. An adjustable-rate mortgage usually starts with a lower interest rate but can change at predetermined periods, which could be ideal if you plan to move or refinance in a few years.

How much down payment do I need?

The down payment varies by loan type. It could be as low as 3.5% for FHA loans, or even 0% for VA and USDA loans, depending on eligibility.

What should I prepare for the mortgage application process?

You should be ready to provide detailed financial information, including recent pay stubs, bank statements, tax returns for the past two years, details of your debts, and a credit report. Our loan officers will assist you with a checklist and guide you through the process to ensure everything is in order.