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Raymond Norris

Raymond Norris

Senior Loan Officer

550 Reserve Street, Suite 490, Southlake, TX 76092
Own what matters
Own what matters

About Me

As a Guild Mortgage Loan Officer, 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. My "Find a Loan" section of this website can be used to find information and resources on our home loan options. I look forward to serving your home financing needs for many years. My goal is to be your "lender for life".

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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.

Conventional

Conventional

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.
FHA

FHA

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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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
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Debby
Jan 14, 2024
Verified

I had a great experience, we were treated great and everything was explained and it went smoothly!!
Morgan G
Oct 28, 2023
Verified

If I could give a 10 star review, I absolutely would! Ray and his team are not only hard working and efficient, but extremely compassionate and understanding. His hard work and dedication resulted in us closing much earlier than expected and feeling much more secure in this big decision and milestone in our family's life. Our future felt so uncertain and up in the air, but Ray changed everything for the better through his passion for what he does. If you need a lender, especially if you are a first time homeowner, I 100%, 10/10 recommend connecting with Ray at Guild Mortgage! You won't find anyone that goes above and beyond more than this man. Thank you, Ray!
Sara C
Oct 10, 2023
Verified

Ray and his team made the process super easy! They were a pleasure to work with.
chris r
Jul 14, 2023
Verified

Guild mortgage was very helpful throughout the entire process from pre-approval through closing. Ray took the time to understand what I was looking for and explained all the options for my mortgage. When it came time to close on the house, the Guild mortgage team made sure everything was ready ahead of schedule.
H
May 24, 2023
Verified

Ray and his team were fantastic. We closed on time, and they were very proactive in getting required docs issued to us. When I didn’t understand something, Ray went out of his way to create a video for us going by line item, and elaborating on what that means for us as buyers. What I really appreciated was him not sugarcoating things, and giving a realistic expectation. After all, we all want to maximize our gains. His team provided thorough communication and even had this tracker document that detailed exactly where we were in the process. It was awesome! Overall, home buying isn’t easy. Allegedly, it’s stressful. Ray and his team made it a lot easier. They were so kind and professional!
Michael
Mar 29, 2023
Verified

Ray and Kellie were great... again! 2nd time using them and would recommend them to anyone. In a fast paced digital world, friendly personal service still matters.

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Awards

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Causes I'm
passionate about

causes
NMLS ID #321718
I am authorized to do business in the state of Texas.