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Reynier Aparicio

Sr. Loan Officer

Rutherford, NJ Mortgage Lender

NMLS #1823942

301 Route 17 North, Suite 501
Rutherford, NJ 07070
Contact Methods
mobile Mobile
(201) 638-8194


About Reynier

Since 2019, I've been dedicated to helping people like you find the perfect place to call home. Whether it's a conventional or FHA loan or a more innovative non-qualified mortgage option like the CCM Signature Expanded ITIN loan, I'm passionate about helping you put all of life’s puzzle pieces together so you get a crystal clear picture of your future.

I approach mortgages with an investor's mindset, ensuring you see all the options available and get a great return on your investment. With firsthand experience as an investor, I can offer advice on everything from rehab to maintenance and day-to-day expenses, giving you insights beyond just the numbers. Your goals are my priority, and I'll be there every step of the way to help achieve them.

From pre-approval to closing and beyond, I’ll make sure you know what’s happening with your mortgage and answer your questions along the way – in English or Spanish, if you prefer. If you’re ready to take the next step on your homeownership journey, I’m here to help. Let's make your dreams a reality.

When I'm not busy helping people find their dream homes, you'll find me hanging out with my beautiful wife and our three amazing kids. Of course, our two furry goofballs (our dogs) keep us on our toes. We love backyard adventures and making memories that last a lifetime.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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