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Rayko Diaz

Rayko Diaz

Senior Loan Officer

9755 Barnes Road, Suite 600, Portland, OR 97225
Own what matters
Own what matters

About Me

I started in the mortgage industry in 2012. As a graduate of Portland State University with a degree in Real Estate Finance, housing finance has long been my focus. My goal is to provide clients and real estate partners with the tools to better understand the lending process and overcome obstacles to home ownership.

Married with two young children, I'm proud to call Portland my home. On the weekends, you can find me exploring the beauty of the Pacific Northwest and other outdoor activities.

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Meet my team

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I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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.



A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.


If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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5.0 out of 5.0 stars
Jackson E
Apr 15, 2023

Rayko did a fantastic job for clients of mine. The buying process can be intimidating for a buyer, but Rayko made sure to stay in constant communication with them, breaking down each step throughout the process. It was one of the smoothest transactions I’ve been apart of! I cannot recommend him highly enough.
Casey S
Feb 11, 2023

My partner and I would have been absolutely LOST without Rayko’s help. Rayko and the Guild team took such care and patience with us throughout the process of buying our first home. We called Rayko with the most random questions and he always went through the details with us and helped us understand the financial process and beyond. Rayko also always had a positive attitude and a ton of guidance - can’t imagine going through that process with another lender - he’s the best!
Andrew V
Oct 29, 2022

Rayko was a great lending partner that made me feel safe and secure in knowing all the different pieces of the home-buying puzzle. You've probably heard horror stories of lenders from before. Rayko was just completely on the ball for communication at all points of the transaction. I never felt out of the loop at any point, which for complex as home buying can be, gave me complete peace of mind! Rayko works with you personally to find the right situation that works for you. No sales pressure. He was able to find me a loan perfectly suited for myself, for the home that I wanted. He ran all numbers and scenarios and laid them out perfectly for me to understand. These personal touchpoints made it certain that I was picking the right option for my own financial health. If you need a lender that works with you, keeps communicating, and has a stellar team working behind them, Rayko is your person! I highly recommend reaching out and seeing what works for you!
Jun 04, 2024

Rayko was so friendly communicative throughout the whole process! We are so appreciative that we were able to close on a tight deadline as well.
May 13, 2024

I went through a lot with a previous lender (different company) that did me wrong. I found myself calling Rayko on nights and weekends and the guy never failed to answer and get back to me right away. Solid guy! I literally can’t express my gratitude enough. Rayko, you and your team hit this out out of the park. Home Run! Thank you so much! Please do keep in touch.
Apr 08, 2024

Rayko went above and beyond, often in the evenings, to ensure everything was smooth. Even if he hadn’t reached out during the evenings, his service was still wonderful and responsive.

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NMLS ID #947125
I am authorized to do business in the states of Oregon and Washington. OR ML-176;