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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

Testimonials
4.96 out of 5.0 stars
5.0
5.0
4.9
5.0
Bong-Gum
Oct 07, 2024
Verified

every trtansaction is smoth
Sankale S
Sep 07, 2024
Verified

The agent was very knowledgeable and patiet.
Teresa F
Jul 19, 2024
Verified

Ray was fantastic to work with. He made the process of buying our home easy
Winter F
Jul 18, 2024
Verified

I first heard about guild mortgage from a good friend. She told me Ray Wallace was amazing. Me and my husband two years ago tried looking into getting a loan for a house and didn’t have a great experience. Ray Wallace changed that for us he walked us through everything that we needed to know about buying a home. I really don’t think me and my husband would have bought a home if it wasn’t for Ray.
L-E
Oct 14, 2024
Verified

I appreciate the time our loan officer committed to helping us close on our home. He always answered our questions and ensured we were knowledgeable about the home loan process.
Patrick
Sep 03, 2024
Verified

The agent was very knowledgeable and patient.

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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.