SKIP TO MAIN CONTENT
Logo
  • Menu
    • Market Reports
      • 2021 Archive
      • 2020 Archive
    • Realtor Marketing
    • Loan Programs
    • Calculate Your Payment
  • APPLY NOW
  • LOAN PORTAL

FIND OUT HOW I CAN HELP YOU WITH

MY LOAN PROGRAMS


ALL IN ONE

CONVENTIONAL

PORTFOLIO

JUMBO

VA

FHA

REVERSE MORTGAGE

USDA


"Integrity is the cornerstone of my business and I believe a mortgage should be about building relationships and helping you achieve your home financing goals." - Ray P. Cruz


Meet My

Outstanding

Team

 

RAY P. CRUZ

Mortgage Planner

AMIR GUERAMI

Mortgage Planner

 

JESSICA GONZALEZ

Processing Manager

SEFTON R. ROBINSON

Mortgage Marketing Manager

PHIL TREEM

Chief eXperience Officer


My Clients Love Me

Amazing Experience!

 

Ray went above and beyond! As a first-time home buyer, I had many questions throughout the entire process. Ray was professional every step of the way and answered all my questions thoroughly. I have already started recommending him to friends and family and will not hesitate to use him again in the future.

 

Diana M., Rockville, MD

APPLY NOW
  • MCF Mortgage Licenses
  • Privacy Policy

About MCF Mortgage

 

We have built a powerful reputation as an outstanding mortgage lender serving the lending needs of real estate professionals, builders and individual homebuyers in Alabama, California, Colorado, Florida, Illinois, Maryland, New Jersey, North Carolina, Pennsylvania, South Carolina, Texas, Virginia, and Washington DC.

 

Texas Complaint/Recovery Fund Notice

 

MCF Mortgage NMLS #1061701

www.nmlsconsumeraccess.org

Corporate Headquarters

 

3 Bethesda Metro Center, Suite 700, Bethesda, MD 20814

301-761-2278 | Ray at raypcruz.com

About MCF Mortgage

 

We have built a powerful reputation as an outstanding mortgage lender serving the lending needs of real estate professionals, builders and individual homebuyers in Alabama, California, Colorado, Florida, Illinois, Maryland, New Jersey, North Carolina, Pennsylvania, South Carolina, Texas, Virginia, and Washington DC.

 

Texas Complaint/Recovery Fund Notice

 

MCF Mortgage NMLS #1061701

www.nmlsconsumeraccess.org