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Amazing experience!

Ray went above and beyond! As a first time home buyer, I had many questions throughout the entire process. Ray...read more

Great company

It was a pleasure working with Ray Cruz. He was very professional and kept me informed throughout the whole process....read more

Best Lender in the Business

Ray handled my complicated refinance. He stayed in touch with me and made the process painless. Whenever I had a...read more

Best mortgage lending experience

Ray is the best of the best when it comes to a professional, well-managed mortgage lending experience. He knows the...read more

Positive and encouraging attitude

Working with Ray was a pleasure from beginning to end. My loan became increasingly challenging as time went on through no...read more

Extremely knowledgeable all-around

I've known Ray for a long time from the first mortgage refinance he did for me. I'm not sure, but...read more

Professional, Respectful, Knowledgeable

I have never written a review for anyone before but after the service and kindness that I received from Ray...read more

Ray is terrific

This was my 2nd mortgage with Ray, as well as 2 mortgage refinancing (4 experiences in total). I can confirm...read more

Professionalism and work ethic

I was very impressed with Ray's level of professionalism and work ethics. He along with his team, went above and beyond! I will...read more

Ray was terrific!

Getting a mortgage in today's highly regulated environment is a real challenge. Ray took charge of the entire process and...read more

Knowledgeable and very hardworking

I never write reviews, however, I was compelled to do so after working with Ray! It's very rare when a...read more

Complete faith and trust

I worked with Ray to refinance my FHA loan. He was very professional and knowledgeable about the mortgage field. He...read more

Commands my highest respect

I don't write reviews, let alone take the time to register to a website to write a review, nevertheless, it's...read more

Very professional and proficient

Everything went pretty smooth. I thought Ray was very good, very professional and proficient. No complaints at all. In using...read more

Great loan experience

Ray and his dream team were a pleasure to work with: responsive, friendly, clear, helpful, fast. They use a secure electronic...read more

Obviously knows his business

Ray is good. It was a good experience overall especially with Ray as I have confidence in him. I’m very...read more

Great experience

I’ve known Ray for a long time so everything went smooth. He did a fantastic job and it was a...read more

Very helpful

Ray was very helpful throughout the purchase process. Everything from providing a pre-approval letter and discussing my purchasing ability and options...read more

Saved us $200 per month

I contacted Ray on a whim just to see if a refinance might be possible. We had just worked with Ray to...read more

Responsive and knowledgeable

I had talked to several lenders before deciding to go with Ray. I was a first-time home buyer and Ray would always...read more

Clear, Concise and Prompt

This is our second time we used Ray to refinance and we did our original home loan with him and...read more

Super Excited

Working with Ray and team MC Financial was a very easy and seamless process. Ray was always there to answer...read more


The experience was great. I have a personal relationship with Ray and known him probably 6 years. Trustworthy, my wife...read more

5-star professional!

Ray Cruz is truly a 5-star professional! My family has worked with Ray over the past several years on 2 mortgage...read more

Decrease mortgage almost $300

Everything was smooth and no problems. Really satisfied and everything is fine and I was able to decrease my mortgage...read more

Very quick, very thorough

Ray’s great. Very quick, very thorough and explains things very clearly in layman’s terms. People like myself who just care...read more

Highly, highly recommend!!!!!

I have bought many houses in my life and I felt the need to write and let you know what...read more

High praise

Ray and his team literally saved us from losing our dream home. With less than 30 days before our closing, Ray was...read more

Recommend Ray

Yes, I would recommend Ray. I was very happy with the process and he explained everything I needed in detail....read more

Ray’s great

Ray’s great. Everything always is with Ray and his team is good and Ray is very thorough, clear and things...read more

Recommend my friends to Ray

Every loan we do, we do with Ray because we know to expect personalized service and a great experience from...read more

Personal attention and guidance

My wife and I purchased our dream home in spring of 2016 and Mr. Cruz helped us obtain our financing....read more

Couldn’t have been happier

Referred to Ray by a friend. Couldn't have been happier with the experience. We had a lot of questions throughout the...read more

So seamless and beneficial

Ray is fantastic to work with. He is patient with my husband's and my busy work schedule and was helpful at reminding us...read more

True mortgage professional

We needed to find a true mortgage professional for our recent house sale and purchase, so after researching and interviewing...read more

Excellent service

Excellent service and available after hours when we entered a bidding war. Would be happy to use them again! Very...read more

Simply outstanding experience

Simply outstanding experience. We had been working with our current bank, a large nationwide bank, to refinance our mortgage. The...read more

Streamlined and efficient

Great experience as a first-time home buyer. Ray was willing to walk me through each step with thorough and detailed explanations....read more

Thank you, Ray!

We had the best experience when we closed on our new home. Ray and his team went above and beyond to...read more

No closing costs

Ray is outstanding and his service and product are heads above the rest! He is very responsive, considerate, and helpful. The...read more

Service was excellent

I have re-financed twice with Ray. He gave me very competitive interest rate and fulfilled his promises. The service was...read more

Saved me money

Ray Cruz worked with me on my initial mortgage for my house and then on both my refinances. Each time he and his team...read more

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