Ray Cruz worked with me on my initial mortgage for my house and then on both my refinances. Each time he and his team were consistently available and responsive. My phone calls and emails were either answered immediately, or I got a return call/email within…Read More→

I have re-financed twice with Ray. He gave me very competitive interest rate and fulfilled his promises. The service was excellent. The loans were closed without any delay. I would strongly recommend him to my friends and families. Richard A.,…Read More→

Ray is outstanding and his service and product are heads above the rest! He is very responsive, considerate, and helpful. The rate I got I believe was 1/8 percent less than the competitor's rates, plus I got the no closing costs…Read More→

We had the best experience when we closed on our new home. Ray and his team went above and beyond to assist us with the process from start to finish. Very impressed and happy with the service. He provided us with…Read More→

Great experience as a first-time home buyer. Ray was willing to walk me through each step with thorough and detailed explanations. His home buying process was streamlined and efficient and resulted in an early closing even with some additional unforeseen hurdles. I…Read More→

Simply outstanding experience. We had been working with our current bank, a large nationwide bank, to refinance our mortgage. The large bank was unresponsive and made us feel as if they were doing us a favor by engaging. After two…Read More→

Excellent service and available after hours when we entered a bidding war. Would be happy to use them again! Very quick response time and happy to answer any questions along the way. Closing occurred on time without any surprises. Would…Read More→

We needed to find a true mortgage professional for our recent house sale and purchase, so after researching and interviewing several candidates, Ray was clearly at the top of the pack. After talking with Ray, we knew he had significant work…Read More→