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Ray Wallace

Senior Loan Officer

NMLS# 363664

About me

I have been playing music since my teenage years and I love the collaboration that a band needs to come together for a great performance. 

As a Loan Originator, I believe that there is a similar “jam” as all of our mortgage band members come together to present you with the best possible home financing solution. I bring the same passion and dedication to work as I do in making music. To me, each loan is its own amazing piece of music and determining the best loan for your individual situation is like discovering the right combination of rhythm and lead to make a song come alive. What’s best is that our focus is to make YOU the star, putting you front and center of the band. We can then stand at the end of the performance and take a bow to cheers all around knowing that we ROCKED this loan! 

For decades, my musical approach has consistently helped the people I work with: 

First-time homebuyers 

Move-up homebuyers 

Self-employed borrowers 

Owners of rental properties 

I make the complex mortgage lending experience simple, transparent and affordable and I offer a diverse line of loan options to give my customers the most appropriate loan to make their home financing dreams a reality! 

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.
4.96 out of 5.0 stars
Zillow logo
5.0
Facebook logo
5.0
Experience logo
4.9
Google logo
5.0
Third party logo
4.9
Justin C.
Nov 2, 2025
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Working with Ray Wallace has been one of the easiest parts of my job as a real estate broker. Ray consistently delivers ...See more
Justin
Nov 2, 2025
Experience logo
Working with Ray Wallace has been one of the easiest parts of my job as a real estate broker. Ray consistently delivers ...See more
Winter F.
Nov 3, 2025
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I first heard about guild mortgage from a good friend. She told me Ray Wallace was amazing. Me and my husband two years ...See more
Trevor
Nov 2, 2025
Experience logo
Working with Ray was a great experience. He took good care of my wife and I as we navigated the lending side of buying o...See more
Dawn S.
Nov 5, 2025
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Our loan experience with Ray and Guild Mortgage was seamless despite the fact that my husband and I were rarely in the s...See more
Jerod H.
Nov 5, 2025
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As a real estate agent, I've worked with many lenders, but I chose Ray for my own personal loan—and I’m so glad I did. T...See more

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Awards

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Causes & Memberships

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NMLS ID #363664

I am authorized to do business in the states of Idaho, Virginia and Washington. (www.nmlsconsumeraccess.org/);

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