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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.Read more

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! 

Awards

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Causes and Memberships

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Testimonials

4.97 (165 reviews)
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5.0
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5.0
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4.9
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5.0
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4.9
Ray is a great communicator and problem solver. I highly reccomend as a Real Estate Broker of almost 20 yrs. Chris Goff
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Chris

Mar 6, 2026

Pomeroy, WA

They helped me find and work out a loan that I could handle the payments on and could get the hone we wanted. They answered all my questions quickly, most often it was within an hour. They slowly went through all the paperwork so that I could understand things and made sure to explain things to me. These guys were really amazing to work with and I would highly recommend them, especially Ray.
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Payton H.

Mar 6, 2026

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Office Hours

Monday - Friday

Saturday

Sunday

8:00AM - 5:00PM

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Monday - Friday

8:00AM - 5:00PM

Saturday

CLOSED

Sunday

CLOSED

NMLS ID #363664

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

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Whether you’re buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs designed to meet different needs and situations.

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