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Pete Reilly NMLS #1047144

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United States
Ponte Vedra, FL
Pete Reilly NMLS #1047144

Mortgage Loan Originator
Company NMLS # 338923
Equal Housing Opportunity

Permanently closed.

12/09/2025

We would highly recommend it, especially if you are buying a home for the first time or shopping for a home in an unfamiliar area. A good real estate agent will be familiar with the available housing in each area, have experience with negotiating for the best price, and be able to help you navigate through the documentation related to a home sale.

If you do not have a real estate agent in mind, we would be happy to recommend one! Contact us today to get started 📱
https://myoc.io/peteismyloanguy

12/02/2025

There is more to rates than just numbers. You can choose between a “fixed rate” and “adjustable rate” mortgage. Which one is best for your situation will depend on how long you intend to occupy your current home.

Fixed: The payment stays the same for the duration of the loan. If you intend to stay in the same place for the life of the loan, you may be better off with a fixed rate mortgage because you will be protected against rate increases.

Adjustable: For three, five or seven years, the rate remains fixed. Then it fluctuates based on market interest rates. You will not be protected from market fluctuations after that, but the rate for the initial fixed term is usually lower. So, if you think you will be moving on to a new home after a few years, an adjustable rate may be your best bet.
https://myoc.io/peteismyloanguy

11/26/2025

VA loans are designed to make homeownership more accessible for those who’ve served. But there’s still a lot of confusion about how they work and what makes them different.

Learn how it works and what myths to ignore:
https://annie-mac.com/va-purchase/
https://myoc.io/peteismyloanguy

11/25/2025

The life of a home loan usually amounts to 15 or 30 years. A short-term loan will give you higher monthly payments, but less money in interest payments over the life of the loan. With a long-term loan, you are in debt longer, but your monthly payments are lower. Your Loan Originator will walk you through the difference to ensure you can make an informed decision! 😉
https://myoc.io/peteismyloanguy

11/19/2025

Mortgage rates change all the time. Sometimes daily. That’s where a rate lock comes in.
It “freezes” your interest rate for a set period, giving you peace of mind while your loan goes through underwriting.

You’ll know what to expect for your monthly payment, and you can move forward with confidence without watching the market every day.

Curious how long locks last and when to lock yours in? Let's deep dive together!
https://myoc.io/peteismyloanguy

11/18/2025

Determine your monthly income, including salary, interest, or any other income sources. Do you have any funds in accounts that you will be able to draw on and how long would they last? Also, determine your monthly expenses, including utilities and medical bills. Do you have other outstanding debts such as a car loan or student loans?
https://myoc.io/peteismyloanguy

11/17/2025

Buying a home this fall? Let’s strip it back to the basics. With the right roadmap, the process is way simpler than you think. Ready to see your step-by-step path to the front door? DM me today.
https://myoc.io/peteismyloanguy

11/12/2025

Think of a refinance appraisal like a home value checkup. You might’ve bought your place at $250K, but if homes in your neighborhood are now going for $300K? That matters.
Why it’s important:

• It tells the lender your home’s current worth.
• It can improve your loan terms.
• It can unlock cash-out options if you’ve built equity.

Planning to refi soon? Understanding how appraisals work can help you prep (and boost your home’s value where it counts). Call me today!
https://myoc.io/peteismyloanguy

11/11/2025

What kind of expenses are you likely to face in the future? Will you be paying for your children’s college tuition or an older relative’s long-term care? Have you made allowances for unexpected future expenses such as home repairs or medical bills?
https://myoc.io/peteismyloanguy

11/10/2025

You don’t have to do it all to win this fall. With the right lending partner, your open houses can generate real, ready-to-close leads without the extra effort. Want to make the most of your listings this fall? Let’s co-host one that brings real results.
https://myoc.io/peteismyloanguy

11/05/2025

Before the lender signs off on your offer, there’s one important reality check left: the purchase appraisal.

An independent appraiser reviews the home’s condition, neighborhood, and recent sales to determine its true market value. Why? To make sure:

• You’re not overpaying.
• The bank’s not over lending.
• Everyone’s protected before closing.

It’s like getting a second opinion, one that keeps emotions (and overpriced listings) in check. Want to know how appraisals work, what they cost, and what to expect? Let's talk about it!
https://myoc.io/peteismyloanguy

11/04/2025

Closing costs 101! 💰🏡 When sealing the deal on your new home, expect expenses like the ones listed above. Some costs are negotiable like title insurance where credit checks and property taxes are fixed. Be prepared when coming to the closing table 🔑

https://myoc.io/peteismyloanguy

Address

145 Hilden Road 115
Ponte Vedra, FL
32081

Website

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