Ray started in real estate sales as a Realtor in 1979 and gravitated to being a loan officer in 1986.
Ray has spent 17 years in a budget counseling ministry for individuals and couples. Ray loves to help people. One of the ways he can provide that service is through being a licensed mortgage loan officer in Texas who will take the time to sort thru the “Mortgage Maze” of loan products. Homebuyers will soon discover that buying the right house with the right financing is the right thing to do.
If you can’t buy a house today, let’s talk. Ray will take the time to design a financial plan to get you into a house as quickly as possible.
Ray provides specialty loan products for Dr.’s , self-employed business owners and real estate investors. We have mortgage lenders that accept restricted stock units or options income, loans closed in the “Trust” name, Permanent Resident Alien status loans and no borrower down payment( non-occupant co-borrower can pay the down payment).
You’ll love the difference!