Rey Gallegos, Mortgage Lender, NMLS 557038

12/11/2025

🚨 FHA LOAN LIMITS INCREASING FOR 2026 🚨
Big news from FHA announced today.👇

Starting with case numbers assigned on or after January 1, 2026, FHA has officially increased loan limits in both low-cost and high-cost counties (limits are county-specific).

📈 Updated FHA Loan Limits – Here in Clark County, Nevada:
🏠 1-Unit: $541,287
💡 What this means:
• More buying power for FHA buyers. With minimum down payment of 3.5%, FHA buyers can buy a home for $560,919!
• Higher price points now eligible with FHA financing
• Great news for first-time buyers and multi-unit investors

If you’re planning to buy, refinance, or advise clients for 2026, this is a major win.

📲 Message me to see how these new limits could work for you.

12/03/2025

Game changer!

Calling all Nevada Heroes! 📣 Yes, we mean YOU.

If you work in education 🍎, healthcare 🩺, public safety 🚓, or construction 🏗️, Nevada wants to thank you for your hard work by helping you buy a home.

The Worker Advantage Program is a game-changer in this market.

Many people think they need 20% down to buy a house. They don't. And with this program, you could get significant help bridging the gap.

Here is the scoop on the $20,000 assistance: ✅ It’s a no-interest, no-payment 30-year second mortgage. ✅ FLEXIBILITY: Use it for your down payment OR use it to buy down your interest rate to lower your monthly payment. ✅ NOT just for first-time buyers! (Must be your primary residence).

Who is eligible? 🔹 NV resident for 6+ months. 🔹 Working in a qualifying profession. 🔹 Household income limits apply (up to 150% AMI).
Don't assume you can't buy right now. Let's run the numbers and see if this program unlocks the door for you. 🏡🔑

👇 DM me "HERO" or call the number in my bio to find out your eligibility today!

11/12/2025

The MBS Highway National Housing Index fell 3 points in November 2025 to 24, down from 31 a year ago. Lower mortgage rates haven’t offset the impact of higher inventory, which is putting downward pressure on home prices.

09/23/2025

Need more investor business? Get more with the new DSCR mortgage loan! This is a game changer! Register @ https://callingallagents.realtor-growth.com/home-1

Learn more by joining our free online webinar! Tuesday, September 23 @ 4 PM

Click here to register!

https://callingallagents.realtor-growth.com/home-1

07/14/2025

This game changing program will get you there faster!

05/21/2025

Looking to build your real estate portfolio? Learn how to work your way towards financial freedom/independence.

03/31/2025

🏡 Real Estate: The Game-Changer for Building Wealth! 💰🔥
If you’re not investing in real estate, you’re leaving money on the table! A DSCR (Debt Service Coverage Ratio) loan makes it easier than ever to buy an investment property—without using your personal income to qualify.

✅ Let the property’s rental income work for YOU
✅ No tax returns or W-2s needed
✅ Perfect for investors looking to scale FAST

This is your chance to build passive income and long-term wealth.

Don’t wait—real estate is the ultimate game-changer!

📩 DM me to get started!

03/26/2025

Had a great conversation about the Las Vegas Real Estate market and mortgage financing on Suzy's show yesterday!

."High Stakes Living: Suzy's Vegas Vibes with Rey Gallegos"Dive into the glitzy world of Las Vegas with Suzy as she chats with mortgage expert Rey Gallegos N...

03/13/2025

🏡 Build Wealth with an Investment Property – No Personal Income Needed! 💰

Thinking about buying an investment property but worried about qualifying for a loan? A DSCR (Debt Service Coverage Ratio) mortgage is the game-changer you’ve been waiting for!

✅ No personal income verification required
✅ Loan approval based on the property’s rental income
✅ Perfect for real estate investors looking to grow their portfolio

Stop waiting—start building wealth through real estate today! 📈🔥

💻 Click here to fill out a quick form and I will get in touch with you: https://crm.apmortgage.com/home-loan-lead-form/dscr-home-loan-for-investment-properties-21951341

📩 or DM me for more details!

11/14/2023

🏡 Exciting News for Homebuyers! 🏡 Did you know that with American Pacific Mortgage, you can now access a fantastic 1% down payment assistance program? 🌟 Say goodbye to hefty upfront costs and hello to your dream home!

🔑 Why choose us?
✅ 1% down payment assistance: We believe in making homeownership dreams come true with an affordable path to your new home.
✅ Expert guidance: Our team at American Pacific Mortgage is here to support you every step of the way, ensuring a smooth and stress-free home buying journey.
✅ Trusted partner: With a reputation for excellence, we've been helping individuals and families achieve their homeownership goals for years.

🚀 Don't let financial barriers keep you from your dream home! Take advantage of our 1% down payment assistance program and make your homeownership dreams a reality. Contact us today to get started! 🏠💙