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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

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.94 out of 5.0 stars
Zillow logo
5.0
Experience logo
4.9
Google logo
5.0
Third party logo
4.8
Robert T.
Nov 23, 2025
Google logo
Ray and I have a history that spans many years, blending our professional worlds in a Realtor-Lender relationship, but m...See more
Natanael
Nov 21, 2025
Yuma, AZ
Experience logo
Ray was very helpful and straightforward with the whole process.
Emily
Nov 17, 2025
Yuma, AZ
Experience logo
If you want a loan officer who is responsive, knowledgeable, and genuinely invested in helping you, this is the one. Fan...See more
Robert
Oct 20, 2025
Yuma, AZ
Experience logo
Ray and I have a history that spans many years, blending our professional worlds in a Realtor-Lender relationship, but m...See more
Taryn M.
Oct 7, 2025
Google logo
This was my first time working with Ray, and I was very impressed. At the beginning of the transaction, I experienced so...See more
Jessica T.
Oct 7, 2025
Google logo
I can't say enough great things about Ray Ochoa! He went above and beyond throughout the loan process-always responsive,...See more

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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;

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