About Carlos Reyna
Carlos Reyna (NMLS #1968315) is a Mortgage Loan Officer based in Austin, TX, dedicated to helping clients navigate the home financing process with confidence and clarity. Licensed since 2021, Carlos offers expertise in a variety of loan programs, including conventional, FHA, VA, and jumbo loans, tailoring solutions to fit each client's unique needs and goals. Carlos began his career in banking in 2013 before transitioning into mortgage lending, giving him a strong foundation in financial services and client relationship management. He understands that securing a mortgage is more than just numbers—it's about creating a clear path to homeownership. His approach focuses on open communication, education, and personalized strategies to ensure clients feel supported every step of the way. Carlos works with a diverse range of borrowers, with a special passion for guiding first-time homebuyers through the process. He takes pride in making complex lending guidelines easy to understand, helping clients feel empowered to make informed decisions. Originally from Kingsville, TX, Carlos has called Austin home since 2022. He enjoys connecting with the community, exploring local businesses, and taking advantage of the city's vibrant lifestyle. Outside of work, you can often find him running, paddleboarding, hiking, or spending time with friends and family. Whether you're purchasing your first home, refinancing, or exploring investment property financing, Carlos is committed to delivering exceptional service, competitive loan options, and a smooth, stress-free closing experience.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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Located at 3809 Juniper Trace, Suite 100 Austin TX, 78738
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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