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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 option. I have refinanced with Ray 3 times over the years and happily, recommend him. During my last refinance, the current mortgage holder (at the time) saw that someone had done a credit search on me. Thinking that I might be doing a refinance, called me to see how they could keep my business. When I shared the rate and terms of the new loan, I was congratulated and told the rate and terms I was receiving from Ray could not be matched or could not even get anywhere near to match it. Additionally, all document transfers were done electronically and securely. The title company that Ray recommended even came to my office for settlement. The best experience I could ask for in what is a very timely and arduous process.

Shawn G., Gaithersburg, MD

Mortgage Refinance – March 2015

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