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We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Testimonials

Testimonials
4.94 out of 5.0 stars
5.0
4.92
5.0
Robert T
Oct 20, 2025
Verified

Ray and I have a history that spans many years, blending our professional worlds in a Realtor-Lender relationship, but more importantly being a true friend —he's been instrumental in guiding me and my family through multiple home purchases. What I've always respected most about Ray is his unwavering focus on the bigger picture; he never chases a quick sale but instead crafts strategies that land us and our mutual clients in the absolute best position by the time we reach closing. As someone who likes to question EVERYTHING and dig into every detail, I challenge him at every turn, yet he responds with clear, thoughtful explanations that not only make sense but often reveal angles I hadn't considered. It's this level of patience and insight that sets him apart. If you're in the market for a lender who's not just professional and reliable but truly committed to your long-term success, look no further than Ray. He's earned my highest recommendation time and again!
Jessica T
Oct 06, 2025
Verified

I can't say enough great things about Ray Ochoa! He went above and beyond throughout the loan process-always responsive, professional, and truly cared about making everything go smoothly. He kept me informed every step and made sure the process was stressfree and effortless on our end. Thank you Ray for another job well done!
Taryn M
Sep 05, 2025
Verified

This was my first time working with Ray, and I was very impressed. At the beginning of the transaction, I experienced some communication challenges with other parties involved, but Ray went above and beyond to keep me informed every step of the way. He always responded promptly to any questions or concerns, which I truly value. Ray was fantastic to work with, and I look forward to working together again in the future.
Cynthia
Aug 30, 2025
Yuma, AZ
Verified

great service kept me informed of every step of the process. made buying my home fun and exciting. thank you
Mark
Aug 01, 2025
Marana, AZ
Verified

2nd house that Mr. Ochoa has been instrumental in securing me and my family the best loan at the best rates! I highly recomend not only Guild Mortgage but ask for Mr. Ray Ochoa 5 STAR SERVICE
Julio
Jul 29, 2025
Yuma, AZ
Verified

Ray expertise

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #214114
I am authorized to do business in the states of Arizona and Tennessee. AZ BK#0018883; AZ BKBR# 1050942; AZ LO Lic.# 0915882;