Your Local Ignite Mortgage Loan Officer
Vanessa Reyes is a dedicated Mortgage Loan Originator based in Michigan and licensed in multiple states nationwide. She is committed to delivering a seamless, transparent lending experience while guiding clients confidently through every stage of the home financing process. Known for her clear communication, efficiency, and personalized strategy, Vanessa partners closely with buyers, homeowners, and referral partners to structure tailored solutions aligned with each client’s unique financial goals.
With a degree in Marketing, Vanessa brings a strategic, client-focused approach to mortgage planning. She understands how to analyze positioning, timing, and long-term financial impact — helping homebuyers make informed decisions that support not just the purchase, but their overall wealth-building strategy. Her background allows her to anticipate client needs, communicate complex information clearly, and create a smooth, well-orchestrated experience from application to closing.
Beyond her professional expertise, Vanessa is a devoted wife and mother who draws strength and inspiration from her family. She understands that a home is more than just a transaction — it’s the foundation for memories, stability, and future growth. That perspective shapes the care, integrity, and long-term mindset she brings to every client relationship.
Whether assisting first-time buyers or seasoned homeowners, Vanessa is committed to providing thoughtful guidance, reliable support, and a mortgage experience built on trust.
Vanessa
Reyes
Loan Officer
NMLS# 2769922
States Licensed:
MI, OH
Find The Right Loan
Purchase Loans
Refinance Loans
Specialty Loans
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The FED dropped it's benchmark interest rate
What does this mean for you? Mortgage rates typically move in the same direction, although they aren't tied directly to the Fed decision.
If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refinance work for you.
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Get pre-approved for a purchase
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Get pre-approved for a refinance
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Calculate equity for a cash-out refinance
Frequently Asked Questions
How much does it cost to refinance?
Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
How much house can I afford?
To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
What is a good credit score?
A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
What is a HELOC?
A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
How do I calculate mortgage payments?
To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.