What are the opening hours?

Monday 8am - 9pm Tuesday 8am - 9pm Wednesday 8am - 9pm Thursday 8am - 9pm Friday 8am - 9pm Saturday 9am - 6pm Sunday 10am - 5pm

Bryan Reed, Mortgage Lender NMLS #220817

Home
United States
Crystal Lake, IL
Bryan Reed, Mortgage Lender NMLS #220817

I have been in the mortgage industry since 1991. My business is 100% based on referrals. I handle purchase and refinance loans for residential homes.

Over the years I have built a strong network of referral partners which are available to you also. 25+ year loan officer providing low rate mortgages in IL, FL, IN, MN & WI. NMLS # 220817
IL # 031.0022122 | WI # & MN # 220817 |FL # LO74977 | IN #65750

09/02/2026

😎 🍉 𝗛𝗮𝘃𝗲 𝗳𝘂𝗻 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸𝗲𝗻𝗱! 🚤 🍦

09/02/2026

What's the difference between a loan officer and a mortgage advisor?

Both help people finance homes. The difference is often found long before an application is submitted.

Anyone can quote numbers. A mortgage professional helps you understand how financing fits into your life, your goals, and your future cash flow.

That means talking through questions like:
• Should you buy now or wait?
• How much home actually fits your budget comfortably?
• Will this purchase affect future investment plans?
• What financing strategy gives you the most flexibility later?

Those conversations don't show up on a rate sheet, but they often have a much bigger impact than people realize.

To me… a mortgage isn't just paperwork to see if you can qualify. It's one of the largest financial decisions most families will ever make. That's why I truly believe education, preparation, and strategy matter even more than just getting to the closing table.

My goal is to help people make smarter mortgage and financial decisions. Shifting from “can I buy a home” to “should you buy a home”.

Now, out of curiosity… When you started your home search, what question did you wish someone had answered first?

09/01/2026

If you've ever wondered, "Can I buy more than one property in a 1031 exchange?" the answer is yes. In many cases, an investor can sell one investment property and purchase multiple replacement properties, provided IRS requirements are met.

That's one reason a 1031 exchange can be such a valuable planning tool. It gives investors flexibility to diversify their portfolio, adjust cash flow, or reposition into properties that better fit their long-term goals while deferring capital gains taxes.

September is when many investors begin thinking ahead to year-end decisions. Waiting until a property is under contract is often too late to build the right strategy. A successful exchange requires planning before the sale begins.

As a mortgage advisor… I believe financing should support the bigger financial picture, not just the next transaction. Every investment decision has a cost over time, and understanding your financing options before you sell can create opportunities you might otherwise miss.

If expanding, simplifying, or repositioning your real estate portfolio is on your radar over the next year, now is a good time to start the conversation with your CPA, qualified intermediary, and mortgage advisor.

PS - What questions have you always had about 1031 exchanges?

Educational purposes only. Please consult your CPA or tax advisor regarding your specific tax situation

09/01/2026

New 5.0-star Review: "Bryan and his team are the best. He helped me and my significant other secure our mortgage fast, and at the price we wanted. We’ve had many family friends who have used him as well. Thanks Bryan! - Sam and Lucas"

08/31/2026

Success rarely happens overnight. The biggest goals are achieved one step, one decision, and one day at a time.

Whether you're building a business, buying your first home, or working toward financial freedom, keep climbing. Every step counts.

"The elevator to success is out of order. You'll have to use the stairs... one step at a time."
— Joe Girard

08/31/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟯𝟭, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Rates have been pretty stable this month but ended last week near their highest levels. Most borrowers wouldn't see a change in rate, but may see a difference in the credit or points needed to get that rate.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝘀𝗲𝗻 👎
Rates could move higher this week as oil prices rise on increased tensions in the Middle East and markets worry the Fed may hike rates at its next meeting. Any increase may be small, but it's tough to see rates moving much lower from here.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Fed: Fed Chair Warsh's Jackson Hole speech last week raised concerns that the Fed may hike rates as soon as the next Fed meeting in September to fight stubborn inflation. There is some concern the Fed may hike rates twice before the end of the year, despite upcoming midterm elections.
• Labor data: Several jobs reports come out this week, with Friday's BLS jobs report being the most important. The report will show how many jobs were created in August as well as the unemployment rate. Weak job numbers could help mortgage rates, while stronger numbers could increase the chances of a Fed rate hike in September.

08/28/2026

If a strategy requires you to “technically” live somewhere for 13 months, it’s usually not a strategy. It’s a risk.

FHA loans are designed for primary residences, not pre-planned rentals.

Most FHA setups require you to intend to live in the home (typically moving in soon after closing) and certify it as your main home for a period of time.

So if the plan from day one is:
buy it, “sleep over,” then rent it out, that can drift into occupancy misrepresentation (the industry term for “you said you’d live there, but you didn’t”).

Here’s the smarter (and cleaner) way to think about building wealth through real estate without playing games:

House hack the right way: buy a duplex/triplex and live in one unit while renting the other(s) (if it fits the program and your comfort level).

Buy with the timeline you can actually live with: if you may move soon, we structure the loan choice around that reality.

Use an “investment plan” loan for investment plans: different rules, different underwriting, different risk profile.

Also, it’s worth naming why these memes go viral: first-time buyers are a smaller share of the market right now, and people are hunting for shortcuts because renting and saving can feel like quicksand.

If you’re trying to buy as a couple (married or not) and you want a plan that’s both ethical and effective, DM me and my team and I will walk you through before you choose a loan type.

08/27/2026

New 5.0-star Review: "I highly reccomend working with this team because they are excellent in communicating, will help you feel comfortable and help you understand everything you need in order to succeed. Very friendly and easy to talk to and they help made the process as smooth as possible."

08/26/2026

Starting a new job while buying a home? Here’s what I want you to know. 👇

Please talk to me before you put in your notice. 😅

Changing jobs doesn’t automatically mean you can’t buy a home, but the timing matters.

If you’re starting a new job, I’m going to need to know:

👉 When is your last day at your current job?
👉 When does the new job officially start?
👉 What will your new pay be?
👉 Are there any conditions you still have to complete?
👉 When are we planning to close?

Depending on your loan type, we may also need an offer letter and additional documentation before we can use that new income to qualify.

This is one of those situations where I’d much rather you call me before making the change than tell me after everything is already in motion. 😂

Changing jobs? Moving money around? Making a big purchase?

When you’re buying a home, keep your loan officer in the loop. A quick conversation can save us both a headache later. 🙌

08/26/2026

A slightly higher rate doesn't always mean a worse deal.
Many buyers focus only on interest rates.

The bigger picture includes:
• Purchase price.
• Seller concessions.
• Closing costs.
• Monthly payment.
• Long-term financial goals.
• Future flexibility.

The best mortgage strategy considers cost over time, not just today's rate.

Every purchase is unique, which is why personalized advice matters.

Let's build a strategy that fits your goals instead of chasing headlines.

Address

3 W Crystal Lake Avenue Unit 1
Crystal Lake, IL
60014

Opening Hours

Monday	8am - 9pm
Tuesday	8am - 9pm
Wednesday	8am - 9pm
Thursday	8am - 9pm
Friday	8am - 9pm
Saturday	9am - 6pm
Sunday	10am - 5pm

Telephone

+18474778738

Website

https://neighborhoodloans.com/bryan-reed/, http://www.bryanreedmortgage.com/, http://linktr.ee/bryanreedmortgage, https:

Alerts

Be the first to know and let us send you an email when Bryan Reed, Mortgage Lender NMLS #220817 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Want your business to be the top-listed Finance Company in Crystal Lake?

Bryan Reed, Mortgage Lender NMLS #220817

09/02/2026

09/02/2026

09/01/2026

09/01/2026

08/31/2026

08/31/2026

08/28/2026

08/27/2026

08/26/2026

08/26/2026

Address

Opening Hours

Telephone

Website

Alerts

Shortcuts

Share

Category

Listing takedown request