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Proudly serving clients across NJ, AK, AZ, CA, CT, DC, FL, GA, IL, IN, MA, MD, MI, NC, NY, OK, PA, SC, TN, TX, VA, VT, WI, WV, WY
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.
Ray and team went above and beyond every step of the way. We are grateful to have a team that truly cares about ensuring we achieve the best possible outcome. Lorena ORLANDO, FL November 17 Rating: 5.0 out of 5.0 from Encompass
Ray and team went above and beyond every step of the way. We are grateful to have a team that truly cares about ensuring we achieve the best possible outcome.
Ease of transaction Jennifer M. Red Bank, NJ November 04 Rating: 5.0 out of 5.0 from Encompass
Ease of transaction
great experience would recommned recommend to friends Denise M Williamstown, NJ May 02 Rating: 4.8 out of 5.0 from Encompass
great experience would recommned recommend to friends
Ray was able to accomplish the impossible and have a loan within 15 days Matthew T FREEHOLD, NJ March 13 Rating: 5.0 out of 5.0 from Encompass
Ray was able to accomplish the impossible and have a loan within 15 days
Super friendly, easy to work with and very communicative. Nicole M FREEHOLD, NJ March 07 Rating: 5.0 out of 5.0 from Encompass
Super friendly, easy to work with and very communicative.
Ray and Mike are on the ball. I have never seen loan officers get through an LLC loan in record time. They are a powerhouse and would definitley recommend Michael FREEHOLD, NJ February 25 Rating: 5.0 out of 5.0 from Encompass
Ray and Mike are on the ball. I have never seen loan officers get through an LLC loan in record time. They are a powerhouse and would definitley recommend