Reyes Capital Group Logomasthead mortgage services family home
Mortgage Services HomeMortgage & Asset Management ServicesClient ProfilesReyes Capital Group NewsFree Mortgage & Asset Management Educational ResourcesContact Reyes Capital Group Mortgage ServicesAbout Reyes Capital Group Mortgage Services

Terms of Use

Please read these terms of use carefully before using Reyes Capital Group’s website (“Site”). By using the Site, you acknowledge and accept these terms. We may change these terms at any time.

Copyright: This Site is copyrighted by Reyes Capital Group and its affiliates and all rights are reserved. All of the text, screens, images, format, designs, audio clips, Web pages and all other content appearing on the Site are the property of Reyes Capital Group and its affiliates. Information contained in the Site is for your personal use only. You may copy it only for your personal use and information provided the copies contain all applicable copyrights and trademarks. You may not use the copyrighted material for any other purpose without the written permission of Reyes Capital Group.

You may or may not be eligible for any or all of our products. Your eligibility depends on whether you meet our guidelines and requirements for the product(s) you request. Reyes Capital Group reserves the right to determine your eligibility for our products based on our guidelines and applicable laws, rules and regulations.

Reyes Capital Group uses its best efforts to make sure that material contained on the Site is current and accurate. Our goal is to provide you with the best possible information about our products and services. Reyes Capital Group does not make any representations or warranties about the accuracy of the information on the Site, including your account information and information regarding particular investment opportunities. By accessing the Site you agree that the use of the Site is at your own risk. You also acknowledge that Reyes Capital Group specifically disclaims all liability for any and all damages (whether direct, indirect, special, consequential or incidental in nature) including damages from any computer virus which may infect your equipment.

For your convenience, this site may contain links to third-party Web sites. Reyes Capital Group makes no representations or warranties about any third-party Web sites that you may access through the links. By providing a link to those Web sites, Reyes Capital Group does not endorse, adopt or otherwise accept any responsibility for the content or accuracy of those third-party Web sites or their security and privacy policies and procedures.

This Site is not intended to provide investment, tax, or legal advice, and nothing on the Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by Reyes Capital Group. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment and borrowing objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.

The Site is made available to you "as is" and "as available" and Reyes Capital Group does not warrant that any defects or inaccuracies will be corrected or that access will be uninterrupted, timely, secure or error-free.

Thank you for reading and abiding by these Terms of Use.

Terms of Use
First Mortgage: In real estate, a property can have multiple loans or liens against it. The loan which is registered with a county or city registry first is called the first mortgage or first position trust deed. This "first mortgage" is the main loan that all homeowners have when they initially purchase their homes.

In certain situations, a property can have a second, or even third or fourth mortgage, but those are relatively rare. First mortgages have rights and priveleges that second mortgages do not have, which means that any mortgage reduction program that requires a second mortgage offers less legal protection to the homeowner than a first mortgage-based program.

Home Equity Line of Credit: A Home Equity Line of Credit (often called HELOC, pronounced HEE-lock) is a loan in which the lender agrees to lend a maximum amount within an agreed period where the collateral is the borrower's equity in his/her house.

A HELOC differs from a conventional home equity loan in that the borrower is not advanced the entire sum up front. Instead, the borrower uses the line of credit to borrow sums up to the available credit line, similar to a credit card, but at much lower interest rates. Your HELOC funds can be borrowed anytime and for any reason and you pay back only what you use plus interest.

Principle-First Mortgage: A principle-first mortgage is a mortgage that automatically uses every dollar you deposit into your account to pay down your mortgage principal before you pay the bank's interest. This means that every dollar you deposit into your account immediately reduces your mortgage principal and significantly reduces the total interest and time it takes to pay off your mortgage.

This is in contrast to "interest-first" or "front-loaded" mortgages, which force you to pay the bank's interest first and only a small fraction of your payment is applied to your principal during the most crucial early years of your mortgage.