Contact Me
Own what matters

Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Ray Wallace

Senior Loan Officer

245 E Main St, Pullman, WA 99163
Own what matters

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! 

Read Blog

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.

Product Info


4.98 out of 5.0 stars
Dawn S
Sep 01, 2023

Our loan experience with Ray and Guild Mortgage was seamless despite the fact that my husband and I were rarely in the same city during the process. Thank you for your help.
Aug 28, 2023

We were out of town for a majority of this process and Ray made it all work seamlessly. Thank you for your extra effort
Aug 28, 2023

Ray consistently keeps my clients and myself updated timely. In addition, he is creative in a way that explains all buyers options — they can make the best decision.
Aug 14, 2023

Ray was responsive and easy to work with. That’s always a must in a successful transaction. Appreciate the job he did!
Aug 14, 2023

Ray was on top of it. He always anticipated what mine and the clients questions were, and was calling or emailing before they even came up in our own minds. Everything closed ahead of time and very smoothly. Thank you for such great job for our buyer!
Aug 07, 2023

Ray is knowledgeable, responds to calls and emails very promptly and knows his products well. His attitude is for the client and he provides excellent education and helps clients achieve their long term goals !

Video gallery

View More



Causes I'm
passionate about

NMLS ID #363664
I am authorized to do business in the states of Idaho and Washington.