TalkHomes411.com

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I’m a Certified Mortgage Advisor dedicated to helping you achieve homeownership and long-term financial security.

I bring an analytical, partnership-style approach to lending, focused on education, clarity, and trust. CALIFORNIA HOME MORTGAGE ORIGINATOR | NMLS #348041 | DRE #01723076

I am a native San Diegan and veteran of the United States Marine Corps. After leaving the Corps as an Avionics Technician, I took my technical experience and started a new career as an Information Technology Specialist for a local aerospace company. During this time, I saved money and started an investment group involved in the acquisition of small businesses and real estate. The satisfaction of crunching numbers for my investors helped me decide it was time to “clock-out” of Corporate America and go on my own. As a result, I ended up consulting for a small financing firm specializing in originating private money loans, a.k.a. “hard-money”, for high net-worth business owners. This required long hours of analyzing financials and underwriting files before placing it with investors. Several years later an opportunity opened for me to purchase a local fast-food Filipino take-out restaurant. Before I knew it I went from selling hard-money loans to selling fish! After almost two years of re-branding the restaurant, I sold it and took a short sabbatical. Subsequently, I went back to originating loans. This time my mission would be to focus on helping families going through the loan process in this competitive real estate market. I realized that offering a business-like approach would help alleviate some of the common stresses encountered when purchasing or refinancing a home. After all that I’ve gone through, I love that I can draw upon my past experiences because it gives me the ability to provide a high level of counsel. My reward is the satisfaction of helping people achieve their dream of home ownership. My clients often say, they benefited from the knowledge they gained from the experience because it helped them make wise decisions during what could be the complicating process of obtaining a home loan. I understand the importance of family, home ownership, and financial stability. You can trust that I will work for you to the best of my abilities as I represent you with your best interests in mind.

01/23/2026

5.0 star review received on Experience.com for Eugene Reyes by Nicholas K - Working with Eugene was an absolute game-changer for our home-buying journey. He was incredibly educational, super responsive, and made my wife and me feel completely at ease throughout the entire process. Thanks to him, we closed on our dream home in December, and we couldn’t have asked for a better guide. If you’re looking for a mortgage broker who truly cares, Eugene is your guy!

Click to see all 21 reviews of Eugene Reyes, Certified Mortgage Advisor

12/04/2025

🏡 Just hitting the market in Paradise Hills – a quiet cul-de-sac gem that actually feels like an escape from the city (while still being 15 minutes from downtown San Diego).

530 Zest Ct | 4 bed | 2 bath | 1,685 sq ft | 12,000 sq ft lot

Completely reimagined top-to-bottom:
• Brand new everything – luxury vinyl floors, recessed lighting, custom finishes
• Dream kitchen with white shaker cabinets, quartz counters + a massive 9-ft waterfall island (perfect for coffee in the morning or tacos on Friday night)
• Spa-like bathrooms: huge walk-in shower + separate soaking tub
• Giant flat lot with a long driveway and tons of room for toys, ADU potential, or just space to breathe
• Drywalled 2-car garage that’s ready for whatever you throw at it!

If you’ve been looking for a move-in ready house (and still has that big-lot San Diego vibe everyone wants but can never find), this might be it.

Open House this weekend – come see it in person!

(CRMLS) For Sale: 4 beds, 2 baths ∙ 1685 sq. ft. ∙ 530 Zest Ct, San Diego, CA 92139 ∙ $985,000 ∙ MLS # PTP2508765 ∙ Welcome to 530 Zest Court — a quiet cul-de-sac retreat set on a spacious 12,000 sq f...

Address

690 Otay Lakes Road
San Diego, CA
91910

Website

http://www.TalkHomes411.com/

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