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 minutes. MC Financial isn’t tied to one lender so Ray is able to shop for the best loan that meets my needs. For both refinances, Ray only contacted me when a refinance made sense for me to consider. Moving forward with a refinance meant that I could pay off the mortgage sooner. Ray provided me with several options to reduce my rate and also discussed with me that I could reduce the term of the loan. Ray’s knowledge of the current market combined with his ability to read the signs on the wall of what’s to come prompted him to notice that a refinance is in my best interest. Ray saved me tens of thousands of dollars from several years of interest payments that I will no longer need to make. Highly Recommended!
Edgar A., Fairfax, VA
Mortgage Refinance – January 2015