Reina Perkins - NMLS 856071

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Reina Perkins - NMLS 856071 Producing Branch Manager at Rate
Personal NMLS 856071
Rate #2611.

Dedicated to helping clients achieve their dream of homeownership! 25+ years experience with mortgages for everyone from first time homebuyer's to estates to real estate investors.

10/15/2026

Sometimes the small signs around your home point to a bigger question. Does your space still work for you? Whether you’re thinking about more space, a different setup or what comes next, I can help you explore financing options. If updating your home is part of the plan, a Rate Home Equity Line of Credit (HELOC) can help fund improvement projects. Or if life is leading you elsewhere, I could help you explore homebuying options.

Let’s plan for your next chapter together.
https://myoc.io/aHE1jzfUFLN/q0ZnM



NMLS # 856071

10/14/2026

Planning to buy a home in 2027? Time to start the prep now. From building your savings to cleaning up your credit, a few smart moves today can help you get ready for what’s ahead.

Let’s talk about your specific options to create a custom financing plan for you.
https://myoc.io/aHE1jzfUFLN/AJMoK



NMLS # 856071

September home sales were mixed, with sales increasing in the South and West, holding steady in the Midwest and declinin...
10/14/2026

September home sales were mixed, with sales increasing in the South and West, holding steady in the Midwest and declining in the Northeast compared to last month. Year-over-year sales are down in all four regions, but many buyers are still entering contracts thanks to a 1.9% increase in inventory.

Want to know how to make the most of this evolving market? Let’s talk.
https://myoc.io/aHE1jzfUFLN/sU5Js



NMLS # 856071

10/13/2026

When your tax return doesn’t capture your full financial picture, it’s time to use your assets. Bank accounts, retirement accounts, investment portfolios, stocks, crypto and bonds could offer you loan amounts up to $5M, without a W-2.

I could qualify you for a mortgage using the wealth you’ve been building. Get in touch today and find out which doors your finances could open.

https://myoc.io/aHE1jzfUFLN/T1e7m

NMLS # 856071

10/13/2026

A seller concession could do more than cover closing costs—it could help make your mortgage payment more manageable. 🏡

A permanent buydown uses funds toward discount points to lower your interest rate for the life of the loan. A temporary buydown reduces your monthly payment during the initial buydown period before it returns to the full payment.

Why consider it? Instead of focusing only on a lower purchase price, negotiating a seller credit could provide meaningful monthly payment relief while preserving more of your cash at closing.

The best fit depends on your loan program, how long you plan to keep the loan, and your budget. Always plan for the full payment—not a future refinance.

https://myoc.io/aHE1jzfUFLN

NMLS # 856071

10/12/2026

You should never have to sign a mortgage document with lingering questions in the back of your mind. Buying a home is a major milestone, and complete clarity is essential. If you need to review the numbers five times to feel comfortable, we will review them five times. A dedicated mortgage counselor takes the time to explain every single detail so you feel secure at every step. 🏡 Send me a direct message today to discuss your home financing options with confidence. 📩
https://myoc.io/aHE1jzfUFLN

NMLS # 856071

10/10/2026

The life you’re proud of deserves a place to grow. Homeownership could be more within reach than you think, with down payment options starting as low as 1% down.

Call me and let’s get started.

https://myoc.io/aHE1jzfUFLN

NMLS # 856071

10/09/2026

Entreprenuers, don’t scroll past this! When it comes to buying a home, your tax returns may not tell the full story. ​A Rate Portfolio Loan may let eligible buyers qualify using business or personal bank statements instead.​
​
Call me and let’s see what your options look like. ​​

https://myoc.io/aHE1jzfUFLN

NMLS # 856071

10/08/2026

Don’t go into your mortgage blind. A loan estimate gives you a preview of what your financing will look like, including the loan terms, interest rate and estimated payment. If mortgage lingo sounds like another language, I’m here to help.

Expand your homebuying vocabulary with our helpful guide or reach out to ask specific questions.
https://myoc.io/aHE1jzfUFLN/GgIFX



NMLS # 856071

10/07/2026

One home goal. More than one way to get there. Your path to homeownership doesn’t have to look like everyone else’s. I can help you explore the options that may fit your goals.

Let’s talk about what could work for you.
https://myoc.io/aHE1jzfUFLN/IhgP1



NMLS # 856071

Address

5 Financial Plaza, Suite 104
Napa, CA
94558

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