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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.
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. LorenaORLANDO, FL Nov 17
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.
Rating: 5.0 out of 5.0 from google Ray went above and beyond to ensure we received the best possible outcome. We are grateful! Lorena Valentin Nov 07
Ray went above and beyond to ensure we received the best possible outcome. We are grateful!
Rating: 5.0 out of 5.0 from Encompass Ease of transaction Jennifer M.Red Bank, NJ Nov 04
Ease of transaction
Rating: 4.8 out of 5.0 from Encompass great experience would recommned recommend to friends Denise MWilliamstown, NJ May 02
great experience would recommned recommend to friends
Rating: 5.0 out of 5.0 from Encompass Ray was able to accomplish the impossible and have a loan within 15 days Matthew TFREEHOLD, NJ Mar 13
Ray was able to accomplish the impossible and have a loan within 15 days
Rating: 5.0 out of 5.0 from Encompass Super friendly, easy to work with and very communicative. Nicole MFREEHOLD, NJ Mar 07
Super friendly, easy to work with and very communicative.
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 MichaelFREEHOLD, NJ Feb 25
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
Rating: 5.0 out of 5.0 from Encompass Ray was great to work with. RyanPOINT PLEASANT BORO, NJ Feb 16
Ray was great to work with.
Rating: 5.0 out of 5.0 from Encompass Ray did a great job with my client and it was very easy to get in touch with and had excellent advice at all steps of the process. Would highly recommend. DanielPOINT PLEASANT BORO, NJ Feb 09
Ray did a great job with my client and it was very easy to get in touch with and had excellent advice at all steps of the process. Would highly recommend.
Rating: 5.0 out of 5.0 from Encompass communication and response time JoyWayne, NJ May 13
communication and response time
Rating: 5.0 out of 5.0 from Encompass Support and communication KastrijotHowell, NJ May 13
Support and communication
Rating: 5.0 out of 5.0 from Encompass Raymond and his team went above and beyond. I appreciate everything he has done for me. He made me comfortable throughout the whole process. NoreenLakewood, NJ May 11
Raymond and his team went above and beyond. I appreciate everything he has done for me. He made me comfortable throughout the whole process.