Halcyon Home Loans Cedar Ave, Snohomish

Gary Ray helped us with our first mortgage and contacted us years following to discuss refinancing in the current market to reduce our rate and mortgage payment and he seamlessly made it happen. Gary is amazing! He is professional, communicates with you through the whole process, and an all around great guy! I would recommend Gary to anyone and everyone looking to purchase a new home or refinance. He truly cares about his clients and makes you feel so comfortable with the process! I will always go with Gary Ray!

Gary Ray has been a tremendous help to me and my family. We've worked with Gary for the purchase of my first home and through two refinances and couldn't have imagined a better individual to work with. Gary is very accessible, communicates each step of the process with you, and is extremely knowledgeable of best practices, industry knowledge, and great advice. My family and I thank him for being there for us and would highly recommend contacting Gary.

Michael Dormer is the best in the business. How do I know? I've been a real estate agent for two decades. I started working with Michael several years ago. We have had great success. He assisted me with my own personal refinance. Michael took amazing care with my son's home loan. He was a first time buyer. The experience was beyond great. I have referred Michael to all my buyers as well as anyone looking for a refinance. He also has a secret weapon. A tool like no other. It makes working with buyers so easy. I have the buyer's qualifications at a click of a button. No more waiting for the loan officer to call you back when in a stressful multi offer situation. I STRONGLY recommend Michael Dormer for all your real estate finance needs.

We highly recommend Michael Dormer and his staff at Halcyon Home Loans! Michael helped us get our initial home loan under a very tight deadline. He helped navigate us through the entire process and made what could have been a stressful experience an easy process. He is very knowledgeable, intelligent and experienced, and we had complete faith in his advice. We recently went through refinancing the same home, and again Michael did not let us down. He explained all of the options clearly and responded quickly whenever we had any questions. In our opinion, Michael Dormer is the best in the business!

Michael at Halcyon Homes was seriously the reason my husband and I bought a house after 1 year of marriage!! He helped us understand what steps we needed to take to get there, and why. He also was so honest with us about keeping our big hopes and dreams into reality and not getting us into something we truly could afford. Michael was always straight forward and yet so friendly, always making sure we knew exactly what we needed to know during each step of the way in buying our first home. Iv recommended Halcyon Homes to anyone looking to buy a home, we absolutely loved working with this team!!

I would recommend Gary Ray to anyone who is looking for a refinance or original mortgage. Gary was very knowledgeable and helpful, and timely answered any questions we had. He contacted us a few years after our original mortgage to let us know we could likely get a better rate in the current market and substantially reduce our monthly payment. Gary is one of the best - always professional, always responsive, and a super nice guy.

I have recommended Gary Ray with Halcyon Home Loans personally to family & friends, and now am happy to recommend him to you as well. Gary was very helpful in every part of the lending process. He made the process of getting a loan low stress because he is super knowledgeable and always in communication. I worked with Gary Ray on our mortgage, and then a few years later he helped saved us a significant amount of money on our monthly payments when we refinanced.

Worked with Michael to refinance our home and take advantage of the amazingly low interest rates. He was super responsive (which is very important to me) and took the time to explain things both at a high-level, and in as much detail as my engineer-brain desired. He worked with us to understand our income and financial goals, and managed to get us down to a 20yr mortgage with a smaller payment than what we had on our 1-yr old 30yr mortgage!

Gary Ray was fantastic to work with. He was professional, very knowledgeable, and found us a great rate for our home loan. Would highly recommend to anyone looking at purchasing a home. We will absolutely be using him again in the future!

Gary Ray and the entire team at Halcyon Loans made our home refinance process a seamless and successful process. I give them my highest recommendation. I like important financial transactions to be detailed, clear, easy to follow, and well supported. Gary and the team excelled at all of these elements. From the initial intake process for required forms, to the typical questions that come up for someone like me going through their first refinance - The Halcyon team was super-understanding and super-responsive. I got a great rate, I'm saving money each month, and the process was smooth and well communicated!