About Reina Perkins
Reina Perkins more than 20 years of experience in the lending industry, starting her career as an assistant to one of the top loan officers in the nation. She was born and raised in the Bay Area and is a graduate of UC Berkeley. Reina is a long time resident of Wine Country and has been working in both Napa and Sonoma Valley for her entire career.
Reina has a deep understanding of underwriting guidelines and the knowledge to guide you through the home loan process. She will start by discussing your specific circumstances to find the right program for you and your particular situation. She is able to provide information on every aspect of the home financing process and each home loan available. Whether you're a first-time homebuyer or an experienced real estate investor, Reina can help you find the solution to your home financing needs and explain each step in detail so that you are 100% comfortable. She has access to conventional programs, FHA, VA and also to programs for those without traditional income profiles, such as bank statement loans, 1099 loans, asset utilization loans and more.
Reina understands that a mortgage is the largest investment many people will ever make! From applying to receiving your keys or completing your refinance, Reina will be there to support you. You'll receive continuous updates on your loan, and she will be easily accessible to answer your questions. Reina makes herself available on evenings and weekends in order to accomodate your schedule. Communication promotes confidence, and she wants you to feel confident every step of the way. No matter if you're buying, refinancing, or renovating, Reina looks forward to giving you an outstanding mortgage experience.
The right advice could help you find the right mortgage for you. Let's work together.
Current mortgage rates
Points:
Loan Type | Rate | APR | Points | Mo. Payment |
---|---|---|---|---|
30-year fixed | 6.625% | 6.977% | 0.97 ($3395.00) | $2241.09 |
15-year fixed | 5.750% | 6.227% | 0.791 ($2768.50) | $2906.44 |
FHA loan | 6.150% | 7.203% | 0.91 ($2777.78) | $1996.43 |
VA loans | 6.100% | 6.672% | 0.918 ($3750.95) | $2476.09 |
Jumbo loans | 6.450% | 6.722% | 0.965 ($8685.00) | $5659.05 |
* Rates current as of 3/17/2025 11:48 pm, provided by Reina Perkins, for Napa County, CA, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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Located at 5 Financial Plaza, Suite 104 Napa CA, 94558