Get the guidance you need for home purchases and refinances! Whether you are a first time home buyer looking for down payment assistance or seeking tailored mortgage solutions, we’re here to help.
Get the guidance you need for home purchases and refinances! Whether you are a first time home buyer looking for down payment assistance or seeking tailored mortgage solutions, we’re here to help.
I’m Larry Reyes, but most people know me as Lender Larry. I’m a mortgage broker with Downtown Financial Group, licensed in California and Arizona. More importantly, I believe that everyone deserves the chance to own a home, even if they don’t have a strong financial background or all the answers yet.
Growing up in the Antelope Valley, I
I’m Larry Reyes, but most people know me as Lender Larry. I’m a mortgage broker with Downtown Financial Group, licensed in California and Arizona. More importantly, I believe that everyone deserves the chance to own a home, even if they don’t have a strong financial background or all the answers yet.
Growing up in the Antelope Valley, I didn’t know much about credit, equity, or how home purchases worked; I just knew how to grind and work hard. That’s why I do what I do now—to be the person I wish I had back then. I aim to explain things clearly, help you see what’s possible, and guide you through the process step by step, whether you’re a first-time home buyer or looking into refinances.
Over the years, I’ve assisted hundreds of families in securing homes and building real wealth—not because they had perfect credit or large savings, but because they were willing to learn, ask questions, and trust the process. I also help clients explore down payment assistance options to make home ownership more accessible.
Whether you’re ready to buy now or just want to understand your options, I’m here to help with tailored mortgage solutions. No pressure. No games. Just real conversations about how to make home ownership happen.
Every buyer’s situation is unique, which is why I collaborate with over 100 lenders to provide tailored mortgage solutions that fit your specific needs. Whether you are a first-time home buyer, looking to refinance, or interested in home purchases for investment, I’ll assist you in finding the best fit for your goals.
Conventional Loans – Enjoy low down payment options with the possibility of removing PMI once you build equity.
FHA Loans – Benefit from flexible credit requirements and low down payment options ideal for first-time home buyers.
VA Loans – Available for eligible veterans and active-duty service members, offering no down payment or mortgage insurance requirements.
USDA Loans – Take advantage of 0% down for buyers in qualified rural or suburban areas.
Down Payment Assistance – I have access to multiple programs, including CalHFA, to help cover your down payment and closing costs, making home purchases more accessible.
DSCR Loans – Designed for investors who qualify based on rental income rather than personal income.
Bank Statement & P&L Loans – Tailored for self-employed borrowers who utilize business income to qualify.
HELOCs & HELoans – Utilize your home’s equity for renovations, debt consolidation, or investments.
Refinancing – Lower your rate, shorten your term, or access cash from your equity.
FHA & VA Streamlines – Quick, no-appraisal refinance options with minimal documentation requirements.
With access to over 100 lenders and a variety of programs, I’ll help match you with the loan that best suits your life, ensuring you receive the necessary down payment assistance and tailored mortgage solutions.