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Ray Jones

Branch Manager

1702 E. Bullard Ave., Suite 104, Fresno, CA 93710
Own what matters
Ranked #1 in Customer Satisfaction with Primary Mortgage Origination
— J.D. Power

About Me

I was born and raised in Fresno, California. I have three brothers and the same two parents my whole life. Weird right? I attended Fremont Elementary School, Alexander Hamilton Junior High School, Fresno High School, Bullard High School, Fresno City College and Fresno State University.

I married Patti Ashlock and have 3 super kids, Kalen, Shonda and Kylee. Kalen and Shonda are college graduates, building their careers and families. Kylee is now attending Fresno City College. Yes, there is nearly a 15 year gap. The first two kids were so great, we figured we don't play golf, Bridge, or Bingo so what the heck? Let's do it again!


Together, we enjoy travel, camping, games, movies, and eating good food. Mysel, I also like SciFi, computer programming, gardening, music, and finance/investment.
Kylee loves music, travel, camping, friends, welding, Luna, "The best dog in the world," Nutella and photography.  Shonda has a degree in American Sign Language (ASL) Interpretation. She was living half a world away in New York City but found a great guy named Scott and they moved back to California to raise their first child, Henry William David, who arrived in January 2017 and then we got Georgia Rey June 2019.  Kalen has a degree in Lighting Design and is a show technician at the "Happiest Place on Earth." Kalen married Amy Anne and gave us our very first grandchild, Olivia Ann in April 2014 and then Coulson Wayne in August 2016.

Patti and I have each been in the mortgage business for over a 1/4 Century. We have worked for companies from local brokers to mega lenders like Countrywide, Wells Fargo, and CTX. Although we were often colleagues at different mortgage companies, we never worked at the same company together until we opened Cypress Bay Mortgage in 2006. In January, 2013, we merged the office with a much larger Mortgage Lender. This strategic move opened increased funding capacity as well as offering a direct seller servicer platform to better serve our customer's needs. In August 2015, we took another step forward and partnered with a San Diego Lending Partner to gain the technology, speed and agility we needed for future growth and success. Here we are in 2022 and I am making a move to Guild Mortgage. As the mortgage industry changes, so must we. Guild offers the opportunities that come with size. Each move has brought me up the ladder in company size which results in better efficiencies and economies of scale.

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We offer hundreds of loan products for a wide variety of borrowers, including first-time homebuyers, military families and rural residents. We also offer many state, county, and city housing programs that provide down payment assistance. At Guild, we’ll work hard to deliver what matters most to you and find the loan that fits your life.

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NMLS ID #212593
I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;