**Mortgage Expert | Bilingual Loan Officer**
Seeking a knowledgeable and dedicated mortgage partner? Ray brings over a decade of experience in mortgage lending, guiding clients through every step of the home buying process. Fluent in both English and Spanish, Ray specializes in serving diverse communities and simplifying complex financial concepts.
Ray is actively involved in the Mortgage Bankers Association Education Network Committee, Legal Issues and Regulatory Compliance Committee, the Hispanic Chamber of Commerce and Latino Community Development Agency as well as the Neighborhood Housing Services and Community Action Agency. He is committed to providing clear, personalized guidance to help you achieve your homeownership goals. Contact Ray today for expert mortgage advice.