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About me

 As a Guild Mortgage Loan officer with 31 years of experience, I am committed to helping my clients understand their options for real estate financing and assisting them to make solid home loan decisions that meet their needs.

Let's find the right home loan for you

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.
5.0 out of 5.0 stars
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5.0
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5.0
Carlos
Nov 17, 2025
Mesa, AZ
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this is our second transaction with Ray . They were a bit more than most smaller lenders but we like R...See more
Norma
Oct 24, 2025
Phoenix, AZ
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Ray Lechuga is an awesome Mortgage Officer. He is very knowledgeable in his profession. Plus he is by-lingual and is a...See more
Ray
Oct 19, 2023
I was recommended to Ray Lechuga by a mutual friend. She told me that she has been using Ray lechuga exclusively because...See more
Yvonne
Oct 19, 2023
Scottsdale, AZ
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Ray Lechuga is Awesome always answered my questions kept me in the loop and made feel very comfortable. Thank you Ray Gu...See more
Victor
Oct 19, 2023
Scottsdale, AZ
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5 Star Review
Tommy
Oct 19, 2023
Scottsdale, AZ
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Rey thank you so much for an easy process of refinancing our home Elvira and I are very satisfied and we look forward to...See more

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Awards

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Causes & Memberships

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NMLS ID #209140

I am authorized to do business in the state of Arizona. AZ BK#0018883; AZ BKBR# 0119516; AZ LO Lic.# 0914189;

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