About Gina Rainey
Helping homebuyers across California buy homes with confidence, without the stress. Hi, I'm Gina Rainey, a mortgage loan officer based in Greenbrae, California focusing on Marin, San Francisco, Sonoma, Contra Costa, and Alameda counties. My mission is helping clients navigate the home financing process with clarity and confidence for the past 26 years. I specialize in working with Jumbo, Non-QM, and Conventional loans, offering tailored solutions and a smooth, transparent experience from start to finish. Whether you're: -Buying your first home -Exploring refinancing options -Looking into programs for First time home buyers, self-employed borrowers and individuals with RSU income I'll walk you through your options and help you choose the right strategy—not just the easiest one. What sets me apart: -Clear, honest communication—no surprises -Fast and efficient closings -Creative financing while always "thinking outside the box" to cater to your situation -Dedicated to personalizing solutions and helping my clients achieve their dreams Do you need 20% down to buy a home? -No—many buyers qualify with as little as 3–5% down depending on the loan program. What credit score do you need? -It varies, but there are options available even if your credit isn't perfect. How much home can you afford? -That depends on your income, debt, and goals—I'll help you break it down clearly. I've helped over 3,500 clients throughout Northern California secure financing for homes, and I'm proud to be a trusted resource for both buyers and local real estate agents. I aim to respond quickly and provide guidance throughout the whole loan process, from start to future. When I'm not helping clients, you'll find me spending time with my 3 grown children, 2 stepchildren, and my dogs. I love to trail run, hike, ski, and golf! I love to explore the California outdoors! Check out my client reviews to see what it's like to work together. I believe this business is about relationships—and being someone people can rely on long after closing. If you're thinking about buying, refinancing, or just want to explore your options, let's connect.
