I’m a native San Diegan, U.S. Marine Corps veteran, and licensed mortgage advisor (DRE & NMLS) dedicated to helping clients achieve homeownership and build long-term financial security. With a background in IT, private lending, and business ownership, I bring a unique, analytical approach to guiding families and individuals through Conventional, VA, FHA, and select commercial hard money loans.
What sets me apart is the time I invest in understanding each client’s situation. Instead of pushing volume, I focus on education and tailored strategies that empower clients to make confident decisions—whether purchasing, refinancing, or restructuring debt. As a student of Barry Habib’s Certified Mortgage Advisor program, I stay at the forefront of industry insight to deliver clarity, trust, and results.
Credentials & Associations
Mortgage Loan Services
Eugene Reyes | Mortgage Loan Originator | NMLS #348041 | Rate Republic | CO NMLS #2190509 | 690 Otay Lakes Rd, Suite #230 Chula Vista, CA 91913 | All loans are subject to credit approval, property appraisal, and program requirements. Rates, terms, and availability of loan programs may change without notice. Copyright © HS Solutions Investments & Loans Inc. 2025 | All Rights Reserved. NMLS Consumer Access Equal Housing Opportunity | Equal Housing Lender 
1122 Reviews
As a first time home buyer, I didn’t know the first thing about buying a home. Eugene made sure I understood the whole loan process. He was patient and always readily available when I needed help … even after purchasing my home. ~ Mel D. ~
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