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Find the perfect mortgage with a simple, stress-free process. Get pre-qualified today!​

* The rates displayed are national averages sourced from market data and are for informational purposes only. These rates are not an offer or commitment to lend. Actual loan terms, rates, and APRs may vary based on your credit profile and lender qualification requirements. Contact Reyes Home Lending for personalized mortgage options.*

This is the Refinance Your Home & Save Lower Rates, Cash-Out, & More

Unlock the equity in your home, lower your monthly payments, or switch to a better loan. Whether you want to cash out, shorten your loan term, or secure a lower interest rate, refinancing can help you reach your financial goals.

Get a Free Refinance Quote
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Explore Loan Options That Fit Your Needs

Whether You're a First-Time Buyer, Military Veteran, or Investor, We Have the Right Mortgage for You!

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FHA Loan (First-Time Buyer-Friendly)

An excellent choice for first-time homebuyers or those with lower credit scores. FHA loans offer low down payments and flexible qualification requirements to help you get into your dream home faster.

See If You Qualify
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VA Loan (For Military & Veterans)

Exclusive to military members, veterans, and eligible spouses, VA loans provide 0% down payment, competitive interest rates, and no private mortgage insurance (PMI) making homeownership more affordable for those who served.

Check Eligibility
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Conventional Loan (Flexible Loan Options)

A great option for buyers with solid credit and stable income. Conventional loans offer competitive interest rates, flexible terms, and a variety of down payment options, including as low as 3%.

Learn More
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Investor & Non-QM Loans: Flexible Financing Options

Get approved for investment properties without W-2s, tax returns, or income verification. Flexible DSCR, bank statement, asset-based, and no-income loans fund cash-flowing deals fast.

Find the Best Investor Loan
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USDA Loan (For Rural & Suburban Buyers)

Perfect for homebuyers in eligible rural areas, USDA loans offer 100% financing with zero down payment and lower mortgage insurance costs making homeownership more affordable.

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Jumbo Loan (For High-value Homes)

If you're buying a luxury home or need a loan above conventional limits, a Jumbo Loan offers flexible terms and competitive rates helping you finance your dream property.

Explore Loan Options
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Frequently Asked Questions

We offer a range of mortgage solutions including home purchase loans, refinancing, fixed-rate and adjustable-rate mortgages, and first-time homebuyer programs.

Our loan experts assess your financial situation, goals, and eligibility to recommend the most suitable mortgage option for you.

Simply contact us or apply online, and one of our mortgage specialists will guide you through every step.

Experiencing financial difficulties? We're here to help you.

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What Our Clients Are Saying​

We had a great experience working with Reyes Home Lending. From start to finish, the process was smooth and stress-free. Jaime took the time and care to explain each step of the process. He listened to our needs and was highly responsive. Thanks to the efficient service, we closed on our home in early June. We recommend Reyes Home Lending to anyone looking for a reliable lending partner. Thanks for the excellent service!
Isabel Munoz
Isabel MunozFirst-Time Homebuyer
Jaime Reyes was an incredible lender to work with during my home purchase. From the start, he brought clarity, calm, and confidence to the financial side of the process, which made a huge difference for me as a first-time homebuyer. He has a unique ability to explain interest rates, loan options, and monthly payments in a clear, grounded way that made me feel informed and empowered—not overwhelmed. Jaime helped me choose financing that felt comfortable and sustainable long-term, not just what would get an offer accepted. What stood out most was his steady encouragement throughout the process. He checked in proactively, answered every question with patience, and provided reassurance during moments of uncertainty. His calm, supportive presence made the entire experience feel manageable and even exciting. Jaime was never pushy and always prioritized my financial well-being. Thanks to his expertise and care, I felt confident and supported from pre-approval through closing. I highly recommend Jaime Reyes to anyone looking for a knowledgeable, trustworthy lender in Fort Collins or Northern Colorado.
Julia Heider
Julia HeiderFirst-Time Homebuyer
Would highly recommend working with Reyes home lending. Jaime is very professional, easy to talk to, quick with responses about any questions you may have, and very knowledgeable about all the different loan possibilities. If it wasn't for him not sure I would have moved into a house so quickly. Was always there for me to help me with any doubts or concerns that I had. He made purchasing my first home very easy and proficient. Definitely will continue to use his services moving forward. To anyone looking for a home lender I would recommend Jaime as he can walk you through all your options and help you make the right decisions.
Noah Lujan
Noah LujanFirst-Time Homebuyer
Jaime was a great mortgage Lender to work with. He made sure to go above and beyond to make sure we had a smooth and stress free process. I would recommend him to anyone looking for lender.
Javier Reyes
Javier ReyesRefinance
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