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Debbie Reger

Loan Officer

NMLS# 287849

3235 Cardinal Drive,
Vero Beach, FL 32963

(954) 263-6347

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About me

With more than 28 years experience in the mortgage business Debbie Reger has become one of the area's top producing Mortgage Consultants. Debbie specializes in all areas of lending including first time home buyers FHA, VA, Conventional, and Jumbo loans. With Debbie you will get straightforward honest answers every time. Working with a great mortgage consultant is key to a stress-free process. Debbie understands that the process of obtaining a home loan can be intimidating so she strives to make the loan process simple and pleasant for everyone involved. At Guild we ARE the mortgage "lender". This means no brokering no middleman no messing around. Debbie controls the entire loan process from origination to closing. Whether you're a first-time home buyer moving up or refinancing Debbie can help you achieve your dream of homeownership.

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Let's find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don't have a large down payment saved up though, don't worry. We have Conventional loan options for down payments as low as 3%.

FHA

If you're looking to buy on a tight budget, these loans are a great option. It's easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They're also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

Jumbo loans

Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you're looking to buy a more expensive home and have a great credit score and strong financial situation.

USDA

Are you purchasing a rural property? A USDA loan is a great fit. Enjoy lower interest rates with no down payment. These loans are best suited for homebuyers with moderate to low income and are offered to rural property owners through the U.S. Department of Agriculture (USDA).

VA

If you're an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you'll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

Down payment assistance

If you're purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.

Home Equity

Open the door to new possibilities by accessing your home's equity whether it's to afford tuition, renovate, consolidate high-interest debt, purchase a second home or tackle an emergency expense. A home equity line of credit (HELOC*) or home equity loan (HELOAN) can help wherever life takes you.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.

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Jose

May 4, 2025

Debbie and team are phenomenal! My first home purchase went wonderfully because of her superb professional advice and le...See more

Nancy P.

May 4, 2025

Consistently great lending

Zachary

May 4, 2025

Over all amazing experience

Ruthie B.

May 4, 2025

Debbie & her team are always great to work with. It was especially good to have them working with my first-time homebuy...See more

Jennifer

May 4, 2025

Debbie is by far the most customer service oriented, responsive, knowledgeable loan officer I have ever dealt with. This...See more

Elizabeth L.

May 4, 2025

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NMLS ID #287849

I am authorized to do business in the state of Florida.

Debbie Reger

Loan Officer

Email

Phone

Social

Mobile app

Apply Now

About me

Let's find the right home loan for you

Conventional

FHA

Jumbo loans

USDA

VA

Down payment assistance

Home Equity

Home equity insights

For homebuyers

Discover homes that grow equity

For homeowners

Learn how much your home is worth

Testimonials

Video Gallery

Awards

Causes & Memberships