I contacted Ray on a whim just to see if a refinance might be possible. We had just worked with Ray to close on our house in April 2015. He called me back within the day and managed to get me down to 3.25 percent! This saved us $200 per month and over $70,000 over the life of the loan. Ray goes out of his way for his clients and truly wants and delivers the best for them. Thanks again to Ray Cruz!
Ron C., Rockville, MD
Home Purchase – April 2015 / Mortgage Refinance – May 2016