dinkinsteam@houseloan.com
214-543-7385
Reece Dinkins
Buying a home or exploring a refinance? Connect with Reece to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Reece
As a mortgage consultant, Reece supports homebuyers throughout the home loan process, working diligently to understand short and long-term goals and help them choose the right loan for their unique situation. Approachable and eager to help, Reece understands questions and needs come up outside of business hours. Available any time of day – “the best ability is availability,” he says.
Growing up with two parents in home lending, Reece began learning the ins and outs of the industry early in life. He has served with the Dinkins Team since 2016 and is proud to be a part of the award-winning team of mortgage professionals.
Reece was born and raised in Dallas and continues to call it home. He spent his college years in Austin at the University of Texas, where he earned a bachelor’s degree in economics. In his free time, Reece enjoys being with his wife and family, trying new local restaurants, playing golf with friends, and spending time with his Golden Retriever, Bogey.
What clients say about Reece
The team is great!! I have loved working with Reece!
The Dinkins team has managed multiple home loans for us and every time has done an incredible job. There always seems to be a sense of urgency around our home purchases and they maintain calm, are creative in getting all requirements met and are an absolute pleasure to work with. I wouldn’t work with anyone else!
The Dinkins at Cornerstone went ABOVE and BEYOND to help my husband and I obtain funding for our dream condo. Cannot recommend them enough!!!
The best! Always efficient and competitive.
Victoria was fantastic to work with throughout our mortgage process. She moved quickly from the moment we got started, was always available to answer questions, and served as both a lender and a trusted guide along the way. Her responsiveness and support helped us complete a seamless transaction in a short amount of time. We really appreciated her help and would highly recommend her to anyone looking for a great mortgage lender.
I have nothing but great things about this team! Our loan was handled with care and efficiency! From my first conversation with Mary to the excellent service and support from Victoria who kept us moving and was so helpful and positive, and we closed in record time with no issues! Thank you all for a wonderful experience, Linda and I have bought several homes over the years and this was by far the best experience!!! Best Regard, Jim and Linda
Victoria and Jennifer with the Dinkins Todd Team were a pleasure to work with. From start to finish they were honest and didn’t over promise. They communicated all the steps necessary to get to closing and we made it through. Highly recommend them!
Explained the process well; kept us current with the process; responded to questions promptly; met all time lines and expectations
We loved working with the Dinkins Todd team. Mary and Reece were so easy to work with and very accommodating!! It can get stressful at times and they were great at holding our hands. We highly recommend them!!
Reese is a great communicator and helped make this process run smoothly.
Working with this team, especially Victoria Todd, has been a pleasure. Everything was very thorough and they made it extremely easy to navigate.
In a recent closing my client was incredibly impressed with Reece Dinkins. Although the original call was intended only as a second opinion, Reece won his business immediately. Throughout the process, the client repeatedly mentioned how "wowed" he was by the experience, specifically noting the extensive knowledge, high level of service, and willingness to educate at every step. From a Realtor’s perspective, I truly appreciated the excellent communication and quick response times. From start to finish, it was a refreshing experience working with a trusted lender.
Let’s connect
Contact Reece
Share a little about your plans and how to reach you.
Office locations
Suite 550
Dallas, TX 75225
Suite 700
Houston, TX 77027
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Reece today.
