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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

Testimonials
4.95 out of 5.0 stars
5.0
4.93
5.0
Chelsea L
Aug 13, 2024
Verified

Ray is extremely professional to work with! He is always prompt to answer questions or get needed information and always personable with clients. I highly recommend working with him and plan to do business with him in the future.
Alicia
Jul 29, 2024
Yuma, Arizona
Verified

We had a great experience with Ray! He was always available when we needed him to answer any questions and communication was smooth.
Cheryl
Jul 01, 2024
Verified

This is the 2nd time I've used Ray as my loan officer., He was fully committed to my refinance this time around & to provide the best rate. He was always available to explain things fully & answer my questions. The refinance took one month & I'm looking forward to my new, lower monthly payment. Thank you, Ray for the exceptional service!!
Kate
Jun 28, 2024
Yuma, Arizona
Verified

This was the 2nd time I have worked with Ray Ochoa. He answered all my questions and things rolling right away. He is very knowledgeable and very easy to work with.
Martha P
Feb 13, 2024
Yuma, AZ
Verified

It was a pleasure working with Ray
Matthew G
Dec 27, 2023
Pegram, TN
Verified

We had a unique situation that needed proper guidance. Both my client and I didn't always know what the next steps were but Ray helped us get to where we needed to be every step of the way.

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Awards

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member of Guild Giving
NMLS ID #214114
I am authorized to do business in the states of Arizona and Tennessee. AZ BK#0018883; AZ BKBR# 1050991; AZ LO Lic.# 0915882;