Conventional
3% down. Optimized for strong credit.
- Down payments from 3%
- PMI removal at 20% equity
- Fixed and adjustable structures
- Conforming through high-balance limits
Mortgage Lending • Capital Strategy • Real Estate Deal Structuring • Property Portfolio Growth
We structure mortgage capital. You build wealth.
The Gallegos Logan Group is a mortgage advisory-first practice for first-time home buyers, real estate investors, and real estate professionals who need more than a lender — they need a mortgage lending strategist.
Approach
Most mortgage lenders process files. We architect outcomes.
Every mortgage engagement begins with a strategy session — not a rate quote. We analyze your position, model your options, and build a financing structure designed around where you're going, not just where you are today.
01
Mortgage Deal Structuring
We reverse-engineer from the outcome you need. Income, assets, credit, timeline, risk tolerance — every variable gets modeled to find the structure that gives you the strongest position in the transaction.
02
Mortgage Capital Strategy
Mortgage financing is a lever. We help you understand how to use it — when to deploy equity, when to preserve cash, when to refinance, and when to hold. Every decision maps to your long-term portfolio goals.
03
Agent Intelligence
We function as a strategic extension of your real estate practice. We pair agents with fully vetted, pre-qualified buyers who can actually close. Creative structures that save deals. Underwriting insight that gives your offers an edge — built on thousands of closed mortgage loans.
04
Ongoing Mortgage & Real Estate Portfolio Advisory
Closing on time or early is always one goal — but it is not the finish line. We monitor rate environments, equity positions, and market shifts — proactively bringing you opportunities to optimize your portfolio as conditions change.
Capabilities
Full-spectrum mortgage capital access
We maintain deep product access across conventional, government, Non-QM, commercial, and alternative channels — so the structure always fits the strategy, never the other way around.
Hover any program to explore — tap on mobile.
FHA
3.5% down. Flexible qualification.
- 3.5% down with 580+ credit
- First-time and repeat buyers
- Stackable with most DPA programs
- Streamline refinance available
VA
Zero down for veterans and active military.
- No down payment required
- No private mortgage insurance
- No loan limits with full entitlement
- VA IRRRL streamline refinance available
Jumbo
Up to $10M. Built for complex profiles.
- Up to 90% LTV in select programs
- Fixed, ARM, and interest-only options
- RSU income and asset depletion accepted
- Loan amounts $750K to $10M+
DSCR / Investor
The asset qualifies — not the borrower.
- Qualify on property cash flow
- Single-asset and multi-property structures allowed
- LLC vesting accepted
- Built for scaling rental portfolios
Home Equity
Access equity without losing your first.
- HELOC — flexible revolving credit line
- Fixed second mortgage (lump sum)
- Preserve a low first-mortgage rate
- Deploy for renovation or redeployment
Bridge
Buy before you sell. Stay in the market.
- Existing equity as down payment
- No sale contingency required
- 12 to 24 month terms
- Primary and secondary properties
Non-QM
Income outside W-2s? Structures exist.
- Asset depletion and asset-based income
- Foreign national programs
- Recent credit events considered
- Investor cash-flow execution
Bank Statement
Qualify on deposits, not tax returns.
- 12 or 24 months of bank statements
- Personal or business accounts
- Loan amounts up to $5M
- No tax returns required
Construction
Build to your specifications.
- One-time-close up to 95% LTV
- Conventional, FHA, or VA structures
- Owned land applied as down payment
- Extended rate-lock options
Renovation
Acquire and improve in a single structure.
- Underwrite to after-improved value
- FHA 203(k) and Freddie CHOICERenovation
- Kitchens, baths, additions, full remodels
- One closing, one payment
Reverse
62+. Equity access with no monthly payment.
- No monthly mortgage payment
- Remain in the home long-term
- Proceeds typically tax-free
- FHA HECM and proprietary options
Team
Mortgage operators who became strategic mortgage and real estate portfolio advisors
Decades of mortgage origination, team leadership, and market education — distilled into a practice built around one principle: your financing should be as strategic as your investment plans.
Rey Gallegos
Regional Manager | Loan Officer
NMLS #557038
24 years of structuring deals across every market condition. Accredited CE instructor for the Nevada Division of Real Estate. Rey has managed origination teams across three states and built a practice around one idea: mortgage financing is a strategic asset, not a commodity. He designs capital structures for first-time buyers, seasoned investors, and agents who need a partner that thinks at the deal level.
Tracy K. Logan
Mortgage Operations Manager | Loan Officer
NMLS #366288
Tracy turns complex financing scenarios into clear, confident next steps. Her background in psychology shapes an advisory approach built on listening first — understanding what clients actually need before recommending a path forward. She serves the full breadth of Las Vegas's diverse market. Known for structure, precision, patience, and the kind of detail-orientation that prevents problems before they surface in underwriting. An absolute ninja at fixing other lenders' files that they couldn't close.
Process
How an initial mortgage engagement works
Strategy Session
A focused conversation about what you're building — your goals, timeline, and financial position. No forms. No commitment. Just clarity.
Structure Design
We model your options and present a recommended mortgage capital structure — optimized for your specific priorities and risk profile.
Execution
We manage every detail from application through closing. Proactive communication, underwriting expertise, and we think five steps down the road.
Ongoing Review
Markets move. Your position evolves. We stay engaged — bringing opportunities to refinance, restructure, or deploy mortgage capital when the timing is right.
Client Outcomes
Built on results.
“There truly aren’t enough words to describe how grateful we are for Tracy Logan and her team. Buying a home is such a big, emotional milestone — especially when you have a family — and Tracy walked us through every single step with so much care, patience, and heart.”
I've had the pleasure of working with Tracy for many years on multiple home loans, and she continues to exceed my expectations every single time. Tracy is truly outstanding — thorough, honest, dependable, and remarkably committed to her clients. She takes the time to explain every detail, keeps the process on track, and always acts with the highest level of professionalism and integrity. If you're looking for someone you can trust with one of the most important financial decisions you'll make, Tracy is the person you want in your corner.
My wife and I are from out of state. Tracy Logan made our experience in qualifying for a home in Nevada easy and worry-free. I recommend Tracy for your home qualification experience in Nevada. Tracy and her team will keep it real — they are always available and professional.
I've sent multiple clients to Rey and Tracy. Every deal has closed on time with a happy buyer on the other end. They make my offers stronger and my clients more confident. That's a competitive advantage I'm not giving up.
Testimonials reflect individual experiences and are not a guarantee of results. Names withheld for privacy.
Your mortgage financing should be as strategic as your ambition.
Whether you're buying your first home, acquiring your first rental property, building a real estate portfolio, or advising your real estate clients — let's structure something that compounds your wealth.
Contact
Let's talk about your real estate goals.
No pressure. No rate quotes. Tell us what you're working on and we'll set up a strategy conversation.
Office
1180 N. Town Center Drive
Suite 100, Office 1060
Las Vegas, NV 89144
Rey Gallegos
Tracy K. Logan
Hablamos Español
Request a Strategy Call
We'll follow up within one business day.