Ray Ochoa

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!

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!

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.

great service kept me informed of every step of the process. made buying my home fun and exciting. thank you

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

Ray expertise