The Reen Team at Direct Mortgage Funding

Mortgage Lender serving San Jose, CA

About The Reen Team at Direct Mortgage Funding

Michele Reen, an experienced residential loan consultant operating under Citywide Home Mortgage, has been serving clients in California since 1991. Her business thrives primarily on referrals, a testament to her consistent dedication and decades of expertise in the mortgage industry. Michele is particularly committed to educating first-time homebuyers, a tradition she has maintained through her Homebuyers Workshop for over three decades.

As a part of Citywide Home Mortgage, Michele offers a diverse portfolio of lending solutions, encompassing both traditional banking products and brokering services. She is known for her personalized approach, ensuring clients receive respectful and attentive service. Her offerings include specialized programs such as down payment assistance, low down payment options, and reverse mortgages, catering to a wide array of borrower needs.

The Reen Team also emphasizes efficiency and accessibility, featuring innovative solutions like the 'Same Day Mortgage' program for rapid loan approvals with low down payment options, and a 'Lightning Fast Fintech HELOC' designed for quick funding without in-person appraisals. Additionally, Michele specializes in niche products like VA, FHA, USDA, Bank Statement, Jumbo, Physician, and Foreign National loans, demonstrating her versatility in serving various borrower profiles including self-employed individuals and non-U.S. citizens.

Company Information

Founded: 1991
Lender Type: Direct Lender
Headquarters: San Jose, CA

Licensed In

CA

Certifications & Credentials

FHA ApprovedVA ApprovedUSDA Approved

Digital Capabilities

Online Application
Rate Calculator

Home Loan Products

Government and Conventional Loans

Loan Types:
ConventionalFHAVAUSDA
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerDown Payment AssistanceLow Down Payment ProgramVeteran Program
Available Terms:
30 years
0
100%
Max LTV

Jumbo Loan Program

Loan Types:
Jumbo
Property Types:
Single-Family HomeCondoTownhouseInvestment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
30 years

Reverse Mortgage Program

Loan Types:
Reverse Mortgage
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
Retired

Bank Statement Loan Program

Loan Types:
Bank StatementNon-QM
Property Types:
Single-Family HomeCondo
Occupancy Types:
Primary Residence
Employment Types:
Self-EmployedBusiness Owner
Income Verification:
Bank Statement
Special Programs:
Self-Employed ProgramBank Statement Program

Physician Loan Program

Loan Types:
ConventionalNon-QM
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Special Programs:
Physician LoanLow Down Payment ProgramNo PMI Program
5%
Min Down Payment

Foreign National Loan Program

Loan Types:
Non-QM
Property Types:
Single-Family HomeCondoInvestment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
Investor
Special Programs:
Foreign National ProgramNon-Resident Alien Program

HELOC Program

Loan Types:
HELOC
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence

Same Day Mortgage Program

Loan Types:
ConventionalFHAVAUSDA
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Special Programs:
Low Down Payment Program
Available Terms:
30 years
3%
Min Down Payment
97%
Max LTV

Contact Information

Professional Licenses

NMLS ID: 304120
1900 Camden Ave Suite 201-D
San Jose, CA 95124
US
Mailing Address:
1900 Camden Avenue , Suite 201 Office D San Jose CA , 95124

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Business Information

Category: Mortgage Lender
Location: San Jose, CA
Status: Standard
Founded: 1991
Type: Direct Lender
NMLS ID: 304120
Profile Views: 0

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