With over 23 years of lending experience, Rei is familiar with all types of market and real estate conditions. His approach evolved as technology reshaped the mortgage industry. He brings resourceful expertise, attention to detail, and a personal touch to every purchase or refinance. He has created long-term financial strategies and built lifetime relationships with many of his clients. From first-time homebuyers to experienced investors, and small business owners to high-net worth executives—Rei has guided a broad spectrum of clients during all stages of their financial journey.
Rei has a degree in Political Science and Economics, in addition to being a Certified Veteran Loan Specialist. Using extensive knowledge and experience to help you through the mortgage process, he finds loan terms that are right for your goals and ensures all phases are competently handled for a smooth closing. With so many factors to consider when searching for a loan, Rei can save you time by looking over your budget, income, and savings to help you get a clear picture of what type and amount of loan is realistic before you ever make an offer on a property.
Rei resides in San Ramon, California with his wife and children. Outside of his career, he enjoys spending his time biking, running, and traveling.
Our story is simple, yet our distinguished approach is highly sophisticated. Catering to the most discerning clientele with a desire and demand for luxury real estate. Unmatched commitment to set a new standard in representation of selling and buying real estate.
Alfonso and his team at T.I.M.E Lending went above and beyond for my partner and I. They handled the whole experience professionally and was really inclusive and supportive.
I felt that they really guided us through the entire loan process. Being that they were available 24/7...
TIME Lending helped me start my investment portfolio and secure a higher loan than other lenders, maximizing the FHA process.
If you want a lender that knows the business and prioritizes your financial goals, TIME Lending is the one. I highly recommend!
After speaking with many lenders, Alfonso stood out by diving into my paperwork and providing realistic solutions.
He was always available, even during stressful times, and his expertise made all the difference. If you want the best, choose Alfonso....
Alfonso at TIME Lending expertly handled my home refinance, answering all my questions and securing an even lower rate than expected.
His service exceeded my expectations, and I’m fully satisfied. I highly recommend him to anyone needing a trusted lender.
TIME Lending’s expertise and rates on my VA loan were outstanding. The team patiently answered all my questions, explained every detail, and was always available.
Professional, reliable, and knowledgeable—I highly recommend TIME Lending to anyone purchasing a home.
After struggling with lenders, Alfonso helped us secure our dream home when others couldn’t. He made the process easy, reassured us, and quickly answered all our questions.
I highly recommend Alfonso and will continue using him as our loan officer.
