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Meet My


Mortgage Banker



Mortgage Banker


Mortgage Banker


Mortgage Banker



Loan Manager


Chief eXperience Officer


Ray P. Cruz
Mortgage Banker

Office: (301) 761-2278
Email: rcruz@mcfinc.com
Cell: (202) 438-9700
Fax: (202) 350-9500

In sharing my expertise to personally assist thousands of families with responsible and affordable home financing, I’ve gained an extensive background assisting all types of people, whether it be first-time home buyers, high net worth borrowers, self-employed borrowers, or investment borrowers. In addition, I have a great deal of experience with Conventional, Construction, Investment and Jumbo lending. These experiences allow me to have more product knowledge and to provide you with very competitive pricing.

Integrity is the cornerstone of my business and I believe a mortgage should be about building relationships and helping you achieve your home financing goals. My consultative approach to the home loan process is to customize each home financing solution helping my clients achieve their financial goals. In the end, my mission is to get you the right loan, make the process easy, and make you a happy client for life!

My success is a tribute to my past and current clients as the majority of my business come from referrals. I also attribute this success to the outstanding relationships I have established with Real Estate Agents, Builders, Developers, CPAs, and many others in and around the industry.

In addition to the work I enjoy, I love spending time with my family. My wife Dana is a remarkable woman and I feel I’m the luckiest man alive to have her in my life. Our four children keep us as occupied as ever with never having a dull moment in our home. We enjoy reading and outdoor activities as a family. Every so often we’ll venture out on a mini-vacation as long as there’s water for the kids to play, swim, and jump in. Coming from a long family history of entrepreneurs, I know how important it is to treat every client as I would want to be treated. Therefore, I promise to provide the best service for you and your family.

I’m here to answer any questions you might have about our products and services. Feel free to contact me using any of the following methods:

Email: rcruz@mfcinc.com
Phone: (301) 761-2278

Amir Guerami
Mortgage Banker

I love my job and look forward to coming into the office every morning. If you asked me what separates me from other loan originators I would say “It’s all about family.” I treat every single borrower as if they were my family. I strive to make a positive financial impact in every single borrower’s life. Integrity and loyalty are the foundations on which I have built and grown my business. I ensure that I educate you on every single step and every single product so that together we can jointly get you and your family the right loan. I want to be your home mortgage partner and make you a happy client for life!

My success is not by chance, every single past and current client has contributed to it and to them I am forever grateful. Additionally, the wonderful relationships I have established with Realtors, Attorneys, CPAs and Builders has also been attributable to my success.

In addition to work, I enjoy time at home with my family. My beautiful wife, Melanie, and I have two children who are our pride and joy. I cherish every day that I spend with them and hate the fact that they are growing up so quick. I love life and I love my family!

Mario Blautzik
Mortgage Banker

My passion is the mortgage industry and I love originating mortgage loans, refinances, educating home buyers with financing that meets their needs and provides an avenue to service Realtor’s home buyers in obtaining financing.

I have 12+ years’ experience originating mortgages with an encyclopedic knowledge of FHA, Conventional and VA financing. Along with assisting future homeowners, I provide continuing education for Realtors on the subject of FHA 203K financing.

I am bilingual (Spanish/English), Army veteran, married, father of 3, raised in Montgomery County Maryland and cheer for the Washington Redskins, Washington Capitals, Argentina National Soccer team and enjoy playing corn hole with family and friends.

Sefton R. Robinson
Mortgage Banker

Sefton R. Robinson - Main

My focus at this phase in my career is with first-time homebuyers and purchase transactions. I’ve transitioned my business over the years as the market has continued to change since 2008. It’s a real pleasure for me to help future homeowners secure the financing they need to own their home. MC Financial offers great technology systems and has a solid infrastructure in place which will allow me to continue to grow my business and share success with my clients.

Richard Puchowicz
Loan Manager

I have over ten years of industry experience as a real estate attorney and Mortgage Loan Officer. My mission is to provide you with exceptional service and a smooth stress-free process. Whether conventional, government or jumbo loans … I get your loans closed.

Originally from Connecticut, I moved to Maryland in December of 2011.  I have a B.S. from Fairfield University and a J.D. from University of Connecticut School of Law. I enjoy riding my motorcycle and mountain biking when not assisting clients with their loans.

Phil Treem
Chief eXperience Officer

I have over 20 years of experience in sales, marketing, and client services. My goal is to always gain an understanding and appreciation of a client’s experience and how to constantly enhance it.

Originally from the Boston area, I have a deep passion for all of New England especially Cape Cod and Vermont. When at all possible I travel back with Abby and Tashi and spend time with my rather large Irish family, and of course, cheer on the Red Sox, Patriots, Bruins, and Celtics.

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