About Reina Bauer
**Unmatched personal service from application to closing** With over 19 years in the mortgage industry, Reina Bauer is known for her integrity, honesty, and unwavering commitment to her clients. Recognized by the Atlanta Business Chronicle as one of Georgia's Top 25 Originators and a multi-year Presidents Club honoree, Reina brings a proven record of excellence and care to every transaction. She fiercely guards her record of never having a buyer lose their earnest money — a reflection of the meticulous attention and proactive communication she provides every client. Reina treats every transaction as if it were her own, ensuring each step is handled with professionalism, transparency, and prompt, hands-on service. Before entering the mortgage industry, Reina worked internationally as a fundraiser for national non-profit foundations and built a successful business of her own. Her extensive overseas living and travel experiences have given her a deep understanding of different cultures and the ability to better serve clients from a wide range of nationalities. Reina is passionate about giving back to her community and supports many local organizations. She has proudly called Georgia home for over 20 years. Whether you're buying your first home, refinancing, or exploring future goals, Reina's mission is to provide expert guidance, clear communication, and personalized service every step of the way — earning your trust from application to closing. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. This individual is unlicensed in the State of Georgia, has submitted a license application to the Georgia Department of Banking and Finance, and the Department may grant or deny this individual's license application.
We can make it happen!
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Conventional loans
Conventional loans come in a variety of options and with excellent advantages for qualified applicants.
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Reverse Mortgages
A great option for homeowners over 62 who need additional income to supplement their retirement income or pay for long-term care.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Certainty Home Lending cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Certainty Home Lending for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Certainty Home Lending does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Certainty Home Lending. Certainty Home Lending its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 175 Town Park Drive, Suite 170 Kennesaw GA, 30144
