I was working in Silicon Valley in the High-Tech arena with several start-up companies for 12 years.  I was in sales and worked with my clients to find out their goals and objectives and worked towards solutions.  I was living in Pleasanton with 3 children in school and was commuting 3 hours a day.  An associate recommended that I talk to a friend of his in the mortgage business, so I could work closer to home and I have never looked back.  I have been working in the mortgage industry since 1998 and from that point I knew I had found my niche.  I received the “Rookie of the Year” award my first year, and although I have received several awards since, that one is my favorite.

I love helping people build wealth through real estate. I've been in mortgage lending for over 26 years and am now helping my clients children purchase their first home.  
The process has changed over the years but the reward is the same. There are so many benefits to homeownership.  
I help families with home financing throughout the US. I offer a variety of loan products from Conventional, FHA, VA, Jumbo and alternate financing options like Bank Statement for qualifying, Crosscolateral to help buyers purcahse their next home using the equity in their current home as a "bridge" to purchase their next home. I am certified in Reverse Mortgages as well.  
I am here to assist and answer any questions you have regarding home finaning.

VP of Mortgage Lending

Linda Zaiss is your Napa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Linda is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Linda at (925) 918-0007 for more information!

Linda Zaiss at Rate (NMLS #8991)

With more than two decades of experience in the mortgage lending industry, Reina Perkins brings deep expertise, unwavering professionalism, and a personalized approach to every client interaction. Based in California's renowned wine country, Reina has helped hundreds of clients achieve their homeownership and investment goals across Napa, Sonoma, and surrounding areas.


A graduate of UC Berkeley, Reina combines an exceptional educational foundation with a strong track record in residential lending. Known for a solutions-oriented mindset and commitment to client education, she takes pride in guiding clients through the mortgage process with clarity, transparency, and confidence.


Over the years, Reina has built lasting relationships with homebuyers, real estate agents, and industry partners by consistently delivering thoughtful advice and dependable results—regardless of market conditions. From first-time homebuyers to seasoned investors, she is dedicated to helping clients find the right loan solutions tailored to their unique financial goals.


**Mortgage Solutions Offered:**


* Conventional Loans: Competitive rates with flexible terms.
* FHA VA Loans: Low down payment options for eligible buyers.
* Jumbo Loans: Financing for high-value properties.
* Refinancing: Opportunities to lower rates or access home equity
* Bank Statement Loans: Designed for self-employed individuals.


**Why Choose Reina?**  
Local Expertise: In-depth knowledge of the wine country market.  
Client-Focused Approach: Personalized strategies to meet individual financial goals. Comprehensive Support: Assistance throughout the entire mortgage process.


When not working with clients, Reina enjoys the rich lifestyle of wine country—visiting local wineries, enjoying time with friends and family, and exploring local trails with her dog Rye.

Producing Branch Manager

Reina Perkins is your Napa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Reina is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Reina at (707) 318-3774 for more information!

Reina Perkins at Rate (NMLS #856071)

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 do it alone. As your loan advisor, I'm dedicated to your success. I joined the industry in 2000 after a poor home purchase experience and want to make your home financing feel like a win. I've since specialized in supporting homebuyers across Napa, Solano, Lake, and Sonoma counties through the loan process in English and Spanish – making me one of Mortgage Executive Magazine's Top 1% of Mortgage Originators in America.When it comes to finding the right home loan for you, I start by listening. I'm genuinely interested in your story and want to understand your financial goals. From there, I can build a personalized mortgage solution for your homebuying plans. I'm proud to offer a wide range of home loan options, including conventional, jumbo, FHA, VA, and GR Signature loan programs. Whether you're buying, investing, refinancing, or renovating, we'll make a home financing plan for you. My consideration doesn't end with finding a mortgage. From our first conversation to closing and beyond, I'll help you move through the process quickly and smoothly while keeping you informed every step of the way. Want to have peace of mind with your home loan? Let's talk today.A little about me: I'm a twin and a mom of three with a big supportive family. I love to travel whenever I can!




*Rate has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.*

VP_DE_PRéSTAMOS_HIPOTECARIOS

Edith Guitron is your Napa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Edith is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Edith at (707) 492-1117 for more information!

Edith Guitron at Rate (NMLS #254868)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Jan Wamsley is your Napa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jan is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jan at (707) 765-5917 for more information!

Jan Wamsley at Rate (NMLS #337651)

Araceli Morales is your Napa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Araceli is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Araceli at (707) 559-9715 for more information!

Araceli Morales at Rate (NMLS #459486)

Napa

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5 Loan Officers Napa, CA