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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!
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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.
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Testimonials
I had good experience because of many reasons, The loan process as easy to navigate, I was able to ask questions and get quick answers, options were provided when obstacles appeared. But ultimately the main reason I felt like this was such a great experience, was becasue I felt like I was treated like a person, rather than just a customer. Ray was excellent and was able to meet my needs to help me along my first journey to home ownership.
Ray was very proactive, flexible and knowledgeable on absolutely everything. Whenever I had any questions, they were quickly answered and I felt I learned a lot along the way. I highly recommend him and the Guild team!
Working with Ray stood out from any previous experience I have working with mortgage brokers. Working with Ray I walked away feeling like his focus was supporting me and my goals, not 'selling loans'. His customer focus, willingness to ensure I had the right product for my needs, and the quality of information I received working with his is hte reason I activly recommend Ray to for anyone I talk to who is looking at evaluating their home financing or purchasing a new home.
Ray is always there when my buyers need him. He has multiple lending options and explains them well. Ray always keeps us updated on the current status of transaction. He gets the job done!
Ray was always in contact with us.
I was on the sellers side of the transaction and you still keep me informend as much as you could of what was happening on the loan. I appreciated that.
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