Ray is absolutely amazing! We refinanced our house with him and he was so helpful. He answered all of our endless questions and concerns. He is honest about everything. He will never get you in something he knows you cannot afford or not in your best interest. He helped us get our HELOC setup with a credit union. He basically went over and beyond his job title. I am so happy we will always have someone like him to reach out to when we do have any questions.

Ray: honest, professional, quick to respond, great communication, goes above and beyond.Ray was a pleasure to work with. He was always there to answer questions. Ray was honest and always communicated our options and what was needed to complete the deal. He gave all he had to make buying a home a great experience. We would highly recommend Ray to walk you through the lending process. Thank you Ray for being there for our family!

Ray is very knowledgeable in his profession. My experience buying a home was a delight working with Ray. He studied my home buying need and customized my loan special for me. I highly recommend Ray to all my friends and family. Your in good hands with Ray!!

Working with Ray is always a pleasure. He has been able to finance my last two homes as well as a second home in the mountains. We recently refinanced our primary residence, and Ray was very professional and got the loan closed in a very timely manner. He makes the process very easy and is always avaialbel to addrss any questions or concerns I may have. I will continue to use Ray for all my mortgage need and would recommend him to all my friends and family!

We have used Ray twice. First to buy our home and recently to refinance our home. He thinks outside of the box and does everything he can to get you approved. He stays on top of the underwriters and really advocates on behalf of his clients. I will use him again and recommend him to everyone that I know.

Wonderful Service!Ray kept us informed all through the process. We were in a unique situation and he was always informative and let us know what we needed. He was always patient and friendly, never made us feel that we were a burden or that our questions and concerns were not important.