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Proudly serving clients across NJ, CT, FL, IL, NC, NY, PA, SC
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Team was excellent! Very informative, helped every step of the way. Would definitely recommend to my family and friends. Susan F. HASKELL, NJ May 26 Rating: 5.0 out of 5.0 from Encompass
Team was excellent! Very informative, helped every step of the way. Would definitely recommend to my family and friends.
Constant communication throughout the process. Clear explanations. The agents moved fast through the different steps. I feel like I was able to get a very good interest rate for my loan. Jose A CLIFTON, NJ May 11 Rating: 5.0 out of 5.0 from Encompass
Constant communication throughout the process. Clear explanations. The agents moved fast through the different steps. I feel like I was able to get a very good interest rate for my loan.
Consistently and clear communication every step of the way. I felt confident throughout the entire process and whenever I had questions they were answered quickly and clearly. Bradley S. Parsippany, NJ May 08 Rating: 5.0 out of 5.0 from Encompass
Consistently and clear communication every step of the way. I felt confident throughout the entire process and whenever I had questions they were answered quickly and clearly.
Constant communication and quick responses for any and all paperwork or supporting documents required fr the closing. Robert C WEST MILFORD, NJ April 29 Rating: 5.0 out of 5.0 from Encompass
Constant communication and quick responses for any and all paperwork or supporting documents required fr the closing.
Ray was hands on the entire process from pre approval to closing. Very informative and attentive to my needs. Oliver JERSEY CITY, NJ April 19 Rating: 5.0 out of 5.0 from Encompass
Ray was hands on the entire process from pre approval to closing. Very informative and attentive to my needs.
Carmen Bertsch's interaction and explanation of the process. Lester M. CAPE CORAL, FL April 16 Rating: 5.0 out of 5.0 from Encompass
Carmen Bertsch's interaction and explanation of the process.
Everything is good Leonel HILLSIDE, NJ April 09 Rating: 4.2 out of 5.0 from Encompass
Everything is good
I am beyond grateful. The way that my Annie Mac team, Danilo and Lani, handled our home loan was absolutely amazing! Danilo is so knowledgeable and experienced and was able to provide friendly and efficient service. Danilo and Lani both worked so hard to expedite my loan approval and we met the closing date! A process that would usually take a mont... Daisy Lake Ariel, PA March 29 Rating: 5.0 out of 5.0 from Encompass
I am beyond grateful. The way that my Annie Mac team, Danilo and Lani, handled our home loan was absolutely amazing! Danilo is so knowledgeable and experienced and was able to provide friendly and efficient service. Danilo and Lani both worked so hard to expedite my loan approval and we met the closing date! A process that would usually take a mont...
Fast and knowledgeable. Margaret Lake Ariel, PA March 16 Rating: 5.0 out of 5.0 from Encompass
Fast and knowledgeable.
The entire process went smooth from start to finish. Luis EAST ORANGE, NJ February 04 Rating: 5.0 out of 5.0 from Encompass
The entire process went smooth from start to finish.
Ray and Lani worked seamlessly throughout the whole process. The turnaround was super fast. Thank you for making this transaction as smooth as possible. Very pleasant and efficient to work with. Carolina WOOD RIDGE, NJ February 02 Rating: 5.0 out of 5.0 from Encompass
Ray and Lani worked seamlessly throughout the whole process. The turnaround was super fast. Thank you for making this transaction as smooth as possible. Very pleasant and efficient to work with.
The experience of working with the team was even better than expected. From start to finish the best. Look forward to working again with Ray. Also will recommend without hesitation. Erwin West Orange, NJ January 30 Rating: 5.0 out of 5.0 from Encompass
The experience of working with the team was even better than expected. From start to finish the best. Look forward to working again with Ray. Also will recommend without hesitation.