Unsubscribe From Reef & Reason Mortgage Emails
Updated October 2026
To stop Reef & Reason mortgage marketing emails, send a request to [email protected] from the email address receiving the messages. Use Unsubscribe as the subject and write, “Please remove this email address from Reef & Reason mortgage marketing emails.” No explanation about your home search or borrowing plans is needed.
Send only the information needed to identify the address
If you receive messages at more than one address, identify each address you want removed. When an email was forwarded to you, the original recipient address may be different from the inbox where you read it. Include that original address if you can identify it safely.
| Include in your request | Never include in your request |
|---|---|
| The email address receiving marketing | Social Security number |
| A clear request to unsubscribe | Loan numbers or mortgage account numbers |
| Any additional email addresses you want removed | Bank account or payment card details |
| The subject line of a relevant marketing email, if helpful | Passwords, security codes, or identity documents |
You do not need to submit a mortgage application, request a quote, or provide a reason to opt out. Avoid forwarding attachments containing financial records. A short plain-text email is sufficient to communicate your preference.
Separate marketing preferences from an active transaction
An unsubscribe request concerns promotional messages. It does not itself cancel a mortgage application, change a rate lock, stop a scheduled payment, or amend closing instructions. If you are already working on a transaction, communicate those separate requests through the established contact channel for that transaction.
Keep a copy of your request. If marketing continues, send a follow-up identifying the receiving address and the date of your earlier email. Avoid adding sensitive account information to speed up identification.
Keep access to resources without email updates
You can still visit the Hawaii mortgage options guide and use the monthly payment calculator without asking for promotional emails. These pages remain useful if you pause your search or prefer to research independently.
For independent mortgage explanations, visit the Consumer Financial Protection Bureau. For Hawaii housing programs, including information about state-administered assistance, visit the Hawaii Housing Finance and Development Corporation. Reading those resources does not require you to send Reef & Reason personal financial information.
Editorial Methodology & Primary Sources
Verification date: Not recorded; check the primary source and lender timestamp before relying on an estimate.
Rate comparisons use participating lender feeds, not a whole-market survey or guaranteed offers. Freddie Mac PMMS is a market benchmark, not a personalized quote. Calculator models rely on published regulatory formulas and disclosed assumptions rather than fabricated first-person loan testing.
Monthly principal and interest use the amortization formula P × r / (1 − (1 + r)−n), where r is the monthly note rate and n is the number of payments; at zero interest use P / n. PITI adds monthly property taxes and homeowners insurance; PMI is separate. APR includes applicable finance charges under Regulation Z and is not the note rate used for payments. Compare lender Loan Estimates for actual APR and fees.
- Consumer Financial Protection Bureau (CFPB) — Loan Estimates, APR and borrower disclosures; Regulation Z.
- U.S. Department of Housing and Urban Development (HUD / FHA) — FHA program guidance.
- U.S. Department of Veterans Affairs (VA) — VA loan eligibility and benefits.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — published rate benchmarks.
- U.S. Census state tax collections — state property tax benchmarks; confirm parcel-specific assessments and exemptions with the state revenue department and local assessor.
- Hawaii Housing Finance and Development Corporation — state housing finance and property tax authority.
- Hawaii Department of Taxation — state housing finance and property tax authority.
The payment snapshot uses illustrative annual taxes of 1% of home price, $1,200 insurance and 0.5% PMI below 20% down, not verified local quotes. Other calculators disclose their inputs and assumptions. Published guidance and lender feeds may change independently; confirm current program rules, taxes and offers before a decision.