Mortgage expert Ray specializes in serving military and academic professionals, leveraging his leadership experience and mathematical acumen to find optimal financing solutions. Since 2003, he has guided clients through the residential mortgage landscape, offering tailored advice and strategic planning. Ray's analytical approach benefits all borrowers, regardless of background. An Annapolis graduate with a master's from Catholic University, Ray is deeply connected to the U.S. Naval Academy Alumni Association and The Fleet Reserve. Contact Ray for personalized mortgage guidance.