Colorado native and Navy veteran Ray is the President and Founder of Mortgage Maestro Group. With 16+ years experience, Ray isn't just a lender; he's a mortgage strategist. Forget the traditional approach – Ray focuses on structuring smart loans for home purchases, refinances, and renovations to build real estate wealth. His passion for the mortgage industry shines through his educational and client-focused approach. As a business owner and rental property investor himself, he understands complex financial situations. When he's not crafting mortgage solutions, Ray enjoys traveling, snowboarding, fine wine, and great food with his family.