With over 12 years of Mortgage Lending History, Ray know that he is not just in the business of providing a "loan" for his clients, Ray is focused on providing the right product to meet his client's short-term and long-term financial needs and goals.

Ray specializes in Conforming, Non-Conforming residential refinancing and purchase loans as well as Commercial lending. 

A quick word from Ray..."Being a referal based Mortgage Consultant means that my business is 100% dependant on the kind of service and options I provide my clients and referal partners. I work daily to build customers for life by being a part of my client's financial team. I strive to make your mortgage a tool that helps you reach your goals."