About Reina Perkins
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.
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 5 Financial Plaza, Suite 104 Napa CA, 94558
*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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