Skip to main content
Reina Perkins, (NMLS ID 856071)

Reina Perkins

Senior Loan Advisor

NMLS ID: 856071

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Apply Now Contact me

2001 Jefferson St.

Napa, CA 94559

About Reina Perkins

Buying a house means more than finding a place to live. It’s one of the biggest financial decisions you’ll ever make—but you don’t have to go at it alone.

 

As your home loan advisor, I am genuinely interested in your financial success. I want to listen to your story and understand your financial goals. From there, I can build a personalized mortgage solution for your unique needs. Flagstar Bank has more than 600 different home loans available, so we are certain to have the right mortgage for nearly every situation.

 

With over 20 years of experience in home lending, I have a deep understanding of underwriting guidelines and use that knowledge to help borrowers find the loan program that best fits their personal needs. As a resident of Sonoma and Napa counties, I have assisted clients with refinances and purchases of varying types of properties, everything from condominiums to Wine Country estates. I understand the immense investment of property ownership and am always available to discuss your needs and address your concerns.

 

Whether you are moving around the corner or across the country, you can rely on me as a trusted resource. I have a deep understanding of the local housing market, and I can originate loans in all 50 states. After you buy your home, contact me when it’s time to refinance, remodel, or buy a second home. And if you’re an investor, I can build a competitive mortgage to finance your investment properties.

 

Contact me today to get started.

Mortgage Specialization

  • Condominium Financing
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Second Homes
  • VA Government Loans

Professional Affiliations

  • Presidents Club Member 2020

Education

  • BA from UC Berkeley - 1994

Languages Spoken

  • English

Client Testimonials

Hear what my previous clients have to say about my work.

Elizabeth V.
“Reina was awesome! She was very responsive, explained things thoroughly, and we felt supported throughout the process. I'd highly recommend her to anyone!”
Ben Lang
Novato, CA
“Reina is amazing! She was super helpful through the whole lending process, and incredibly friendly and professional. Couldn't have gotten through this very complicated process without her...thanks Reina!”
Caty Wellman
Kenwood, CA
“Right from the beginning we were completely blown away by Reina. Any questions we had were clearly and concisely explained. We always felt like her top priority. From preapproval to closing on our first home, Reina was there for us & exceeded expectations.”
Timothy J Hayden
San Francisco, CA
“After years of referring Reina to clients, I recently had the pleasure of working with her on a loan for myself. Reina was quick to provide a "loan approval" and within a day I was in contract for an incredible SF view condo and closed just 30 days later.”
Chris M
Napa, CA
“Reina is fantastic! She is communicative, creative in finding solutions, and proactive in anticipating questions. I highly recommend working with her for your purchase or refinance needs. I consistently recommend her to my clients looking to buy homes.”
Sholly Terry
Napa, CA
“I have used Reina over the last 15 years as my loan officer. She has continually provided me with the most professional service and works to get me the lowest rate possible. She even took a competitor's loan offer, analyzed it for me, and beat their offer!”
Robert Green
Napa, CA
“I have processed many loans in my lifetime. The experience working with Reina truly has been the best. 100% professional, worked the impossible, and pulled the loan out at a great rate. If anyone I know needs a loan, Reina will get the referral.”
Lisa and Dan Ficco
Napa, CA
“Reina and her team stepped up and got things done for our home purchase when our primary lender left us hanging. She answered all of our questions and responded timely and with patience, running through all the available scenarios to get us into our home!”
Branden McDonald
Napa
“Swan diving into debt couldn't have been more enjoyable! Reina took my wife and I by the hand and lead us clearly through the process. Navigating our 1st home purchase was made easy with her help. I would highly recommend reaching out to Reina for a loan.”
Katelyn Estudillo
Napa, CA
“Reina is responsive, competent, and stays with you every step of the process. I have used her for my mortgages, HELOC, and refinancing. I couldn't be more satisfied with the level of care and information I was given. Thank you Reina!!!”
Gregory M.
“Reina was terrific to work with. She was attentive and patient throughout the process.”

Why Flagstar

Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.
Play Flagstar Bank Video

What to Expect

We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.

Please select your lending process

Use left and right arrows to navigate between tabs.

STEP 1

Pre-qualify & Gather Financials

Submit your financial information and we’ll give you a personalized estimate for your loan.

STEP 2

Pre-approval

Once you’re pre-approved, we’ll coordinate with the escrow or title company.1

STEP 3

Loan Review

Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.

STEP 4

Loan Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 5

Close & Receive Your Funds

We’ll close your loan and wire your funds into escrow so you can complete your home purchase.

 

1A preapproval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.

STEP 1

Loan Application

Complete a loan application online, and submit the necessary financial documents.

STEP 2

Appraisal

We'll conduct an appraisal of your property to determine its current value.

STEP 3

Underwriting Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 4

Loan Signing & Funding

We'll close your loan and wire your funds into escrow so you can access your funds.

Financial Calculators

If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.

Monthly Mortgage Payment Calculator
Reina Perkins, (NMLS ID 856071)

Reina Perkins

Senior Loan Advisor

NMLS ID: 856071

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Apply Now Contact me

2001 Jefferson St.

Napa, CA 94559

Request a Contact

Fill out the information below and I'll reach out to you shortly.


Contact Preference

* = required
Reina Perkins, (NMLS ID 856071)

Reina Perkins

Senior Loan Advisor

NMLS ID: 856071