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Sr. Loan Advisor

Michele Reen

NMLS #304120 | CA BRE #01136905

Sr. Loan Advisor • San Jose - Bascom Ave. Branch

Cell: 408.626.1879
Fax: 408.558.4438
Licensed in CA

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About Michele

Michele has been a loan consultant for 20 years in the Bay Area, and continues to be very successful in both the refinance and purchase business. About 13 years ago, Michele joined a nationwide organization that promotes a Referral Only philosophy. Michele will make a comprehensive review, and offer accurate advice,  given the client’s needs, wants, financial situation, and long-term strategies.

  Branch Address: 3190 S. Bascom Avenue, Suite 100 San Jose, CA 95124

 

 

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Suits Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide between various loan options.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Home Buyer Blog

Let us help you find the home loan to reach your financial goals.

FIXED
RATE

The peace of mind of a fixed rate and payment is the right choice for most borrowers.

*Please visit our Disclosures page for more details for all loan types
A conventional mortgage is a home loan that falls under the conforming loan limit of $453,100 (which is set annually by the Federal Housing Finance Agency)

conventional
mortgage

 A mortgage that is insured by the Federal Housing Administration (FHA). FHA loans allow for down payments as low as 3.5%* and lower credit scores than most conventional loans. There are maximum loan amounts that vary by county.

fha
mortgage

 Loans for premium real estate areas that exceed the conventional conforming loan limits (ranging between $453,100-$679,650 depending on area)

jumbo
loans

 If you are 62 or older, leverage the equity on your primary residence.

reverse
mortgage

 A loan to fund your small town dreams of rural home ownership, with lenient down, income and credit requirements.

usda
loans

 Loans for veterans, servicemembers or surviving spouses. With qualifying income and credit, you can buy a primary residence with no money down at a fantastic rate.

va
mortgage

ADJUSTABLE
RATE

When you have short term lending goals, an adjustable rate may be right for you.

*Please visit our Disclosures page for more details for all loan types
A conventional mortgage is a home loan that falls under the conforming loan limit of $453,100 (which is set annually by the Federal Housing Finance Agency)

conventional
mortgage

 A mortgage that is insured by the Federal Housing Administration (FHA). FHA loans allow for down payments as low as 3.5%* and lower credit scores than most conventional loans. There are maximum loan amounts that vary by county.

fha
mortgage

 An interest only mortgage is great if you are interested in the lowest possible monthly payment for an initial period of time.

interest
only

 Loans for premium real estate areas that exceed the conventional conforming loan limits (ranging between $453,100-$679,650 depending on area)

jumbo
loans

 If you are 62 or older, leverage the equity on your primary residence.

reverse
mortgage

 Loans for veterans, servicemembers or surviving spouses. With qualifying income and credit, you can buy a primary residence with no money down at a fantastic rate.

va
mortgage

American Pacific Mortgage Programs
Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer may stand out in a competitive market. Keys on Time Guarantee Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Secure Lock Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down. Peak If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Investor Advantage gives you purchasing power in the market today for investment properties. Investor Advantage A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing
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