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ABOUT NEO


NEO is the Greek word for new.


Imagine a day when mortgage companies can no longer get away with just putting people into debt, but must equally focus on getting people out of debt and showing them how to leverage their home to maximize their wealth.


We believe successful homeowners – who have a plan to maximize their wealth and minimize their monthly expenses – make better neighbors and build stronger communities for us all.


We created the NEO Home Loans logo as a symbolic commitment to our relationship with you. We believe the closing of your home loan is where our relationship and guidance begin.


As your financial situation evolves and changes, we will be the constant guide you can count on. We aspire to become the most valuable person in your life when it comes to real estate and finance.


Ultimately, our success as a company is not measured by how many loans we do, but by how successful you become.




We look forward to being your guide on your homebuying and wealth-building journey!

Reina Gutierrez

Mortgage Advisor | NMLS 838952

Since entering the industry in 2002, I’ve gained the complex knowledge needed to be your mortgage expert. I’m responsible for finding the best-suited loan programs for every one of my clients. But I’m not here to just to get you a home loan – I want to provide guidance so you can meet your short- and long-term goals.


With my extensive background in processing, you can count on me to be your home financing guru. We’ll discuss your specific circumstances to best fit the mortgage process to you. You’ll receive answers to every question, personalized home financing solutions, clear communication, and a quick closing. Most of all, you will always be more than a transaction to me.


Connecting with people is one of my biggest motivators. I’ve had the pleasure to become close friends with many clients over the years and always look forward to building lasting relationships. From application to closing and beyond, I can’t wait to work with you.


While I love to travel, I’m a San Diego native who can’t imagine calling any other place home. I love the beautiful Southern California beaches, nearby deserts and mountains, and sports teams. I stay busy around town with my three children, who I affectionately refer to as my “hobbies,” and their soccer, baseball, and ballet schedules. On an off night, you might find us at the local bowling alley or movie theater.

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