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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
Ray was great to work with. Ryan POINT PLEASANT BORO, NJ February 16 Rating: 5.0 out of 5.0 from Encompass
Ray was great to work with.
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. Daniel POINT PLEASANT BORO, NJ February 09 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.
communication and response time Joy Wayne, NJ May 13 Rating: 5.0 out of 5.0 from Encompass
communication and response time
Support and communication Kastrijot Howell, NJ May 13 Rating: 5.0 out of 5.0 from Encompass
Support and communication
On 04/30/2026 at 2:30 pm
Join us for Our Billion Dollar Playbook, a live mastermind designed to help real estate agents win more deals in today’s competitive market. Hear from Wes Costello of AnnieMac Home Mortgage as he breaks down the Cash2Keys suite of products and how to position your buyers like cash. Learn how Cash2Keys can level up your business.
10 Plays to Buy & Sell In a Competitive Market
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