"Rays portion went great. In fact, everyone was very good to work with. However, the amount if documentation needed was sizable. If I had been a questionable candidate, I would have understood. However, for someone that has net worth of $5 million with excellent credit, the level of scrutiny should have reflected the risk of the loan."

"Ray was fantastic to work with. As a first time home buyer, my husband and I had many questions through the process, and he explained everything in simple terms to understand clearly. He had matched the rate of another lender. He also worked with us to move up our closing date since we had a horrible rodent infestation in our rental unit. He was very communicative and talked with us how it was most convenient for us. I would highly highly recommend Ray. It was a great experience working with him. "

"Ray was great to work with a very communicative. We had a bit of a complicated set up to purchase a house, but Ray put in the extra effort that other lenders wouldn't, and helped us get a loan for our dream home! Highly recommend and will use him again!"