Our Rates are Better Than Average
...very pleased with the excellent service.
I was referred to Ray by my accountant and another personal friend and was very pleased with the excellent service and how smoothly everything went. Refinancing today is never fun but Ray made it as pleasurable as possible by always being there with a calm voice and having the answers to my questions. David in L.A.
...referred you to friends and family.
Thank you so much Anthony. We had a great experience with you and have already referred you to friends and family. Katherine, CA
...responsive, helpful, and honest.
Ray is the best. We use him exclusively. He’s very responsive, helpful, and honest. We won’t use anyone else and refer him to everyone we know. Jennifer and Paul, CA
...the whole process went smoothly.
Excellent. The whole process went smoothly, thanks to you, because you have always been very responsive. I have already recommended your services to a friend. Eric, CA
...thanks for making this refi so easy!
Ray, from start to finish.....you were there for me all the way! Thanks for making my refi experience a very "easy" one. I appreciate your service and the great rate we were able to lock in. Shawn, CA
...keeping the ball rolling.
Anthony, thanks a lot for your help and keeping the ball rolling so that we could get that great rate! Jodi and Kevin, CA
...Went above and beyond...
Ray J not only got us an excellent rate, but walked us through our refinance every step of the way. It was a pleasure doing business!! Brent and Ingrid
Get Your Custom Quote
Custom quotes include loan origination charges AND typical 3rd party settlement charges for most refinance scenarios. Purchase quotes include lender fees only. Our goal is to be as accurate as possible from the start.
Rate Lock Info
Rates subject to change until locked. Certain conditions must be met to 'lock' your rate in. Please contact us for rate lock requirements.