Joseph A. Ray leads sales, marketing, and customer relations at Obsidian-Elite Financial Services (OBE), a rising east coast mortgage brokerage known for its client-focused approach. A Bronx native with a Business background from Coppin State University, Joseph brings over 12 years of mortgage industry experience, including personal investment, renovation, and construction projects. Since founding OBE in 2020, he leverages his extensive knowledge to provide expert guidance to homebuyers and those seeking refinancing options. Joseph is passionate about sharing his expertise and helping clients achieve their financial goals.