Hey, I'm C. Ray! 

My mortgage concierge team will help you easily shop multiple lenders to find the best rates and terms possible. 

 

This is a complementary service only available to my clients.  What will you do with your savings?

 

COLLEGE 🎓  |  VACATION 🏖️  |  SOMETHING ELSE 👩‍🚀

STEP 1 - Baseline Preapproval

Click "Apply Now" to get your baseline preapproval submitted in less than 9 minutes. No paperwork needed.

STEP 2 - Loan Packet

Congratulations you have your baseline preapproval. Now let's gather the paperwork we will need to seal the deal.

 
Driver's License
Last two years of w2's
2 most recent paystubs
2 most recent bank statements
2 most recent personal tax returns
Proof of any other recurring income

STEP 3 - Shop Lenders

When ready let the team and I know and we will help you shop your loan packet to multiple lenders. 


We typically suggest submitting your application to a local and an internet cloud-based lender to ensure great rates. 🛒

STEP 4 - Compare

Congratulations, you now have lenders fighting for your business.


This will help ensure you save as much money as possible on your mortgage.  Let's set up a quick thirty minuet call to compare the loan estimates. 


My mortgage concierge team will help you self-discover which offer is best for you and your family. 💖 

 

Happy Clients

 

Let's do the same for you!

fishstalker22

Outstanding! . I’ve had the pleasure of knowing C Ray now for years in both professional and personal relationships. C Ray has always exhibited a positive, professional outlook in all of our interactions, in a variety of situations. His ability to listen to our needs and wants, compare that with opportunities available on the market and show us appropriate properties, in our price range that met our vision. We are extremely excited about the home we chose and even though there were some challenges, both personal and professional in each of our lives, he stayed engaged with all parties and we closed the deal on time. You won’t go wrong if you partner with C Ray in the pursuit of finding your new home. His life experience and desire to fulfill your needs are always his first priority