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Ray Wallace

Ray Wallace

Senior Loan Officer

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

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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.

Testimonials

Testimonials
4.98 out of 5.0 stars
5.0
5.0
4.95
5.0
Ashley
Jun 04, 2024
Verified

Ray has been amazing at helping my clients throughout their loan process. He was great at communicating and keeping the ball rolling! I look forward to many more transactions with Ray!
Janet
Jun 04, 2024
Verified

Ray worked really hard for our family's needs. He kept us up-to-date on the steps and processes. Really appreciated his availability and responses.
Justin C
Jun 04, 2024
Verified

Ray has amazing customer service
Jonathan
Jun 04, 2024
Verified

Ray made myself and my fiancé feel as though he was truly going to bat for us. He worked very hard and very diligently which made us feel heard and taken care of. He was on the ball with everything . This meant a lot to us. Overall I would recommend Ray to everyone I know.
Carmen
Jun 04, 2024
Verified

Great customer service and friendly.
Christina
Jun 04, 2024
Verified

Having someone as knowledgeable as Ray helped the process go smooth. With every home loan, there are small issues that can arise and Ray was proactive to get the documents and information beforehand to avoid the small issues that might arise in underwriting, which streamlined the process.

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Awards

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passionate about

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