The DMV Home Loan Experts Redland Ct, Owings Mills

Hello, I worked with Richard Ray on my refinance. He was great to work with. He ran several scenarios regarding options for my loan. He was very detailed oriented and organized. After I submitted the loan application and all documentation his team partners sent daily emails on the progress of the loan and projected a date for settlement. I actually closed four days before my scheduled settlement date and received back $1500. I would recommend Richard Ray as a loan officer for anyone considering purchasing or refinancing their home. Thanks K. Parker

Amazing customer service from start to finish. The level or professionalism is unmatched and made a normally long and tedious process very fluid. Their in-depth knowledge of the home financing process allowed us to close much quicker than the traditional banks that are commonly used. My family is very thankful to have the Caliver Beach Team, led by Richard Ray make purchasing our dream home a reality.

Buying a home for the first time is stressful. Credit wasn’t the best. But buying a home during this type of environment was next level stressful. But I had THE best team from realtor to THE DMV HOME LOAN EXPERTS. So many paperwork but each member specifically Richard, were able to hold my hand, be available with any and all questions and make sure I felt comfortable. They advocated for me. It wasn’t always easy but it was majorly rewarding. You want people that you can trust that will fight for you. They did that and my family and I will forever be grateful

Richard Ray and team provided superior service, professionalism and made my overall homebuying experience great. Very knowledgeable team with excellent customer service. Highly recommend The Ray Team for any mortgage assistance.

I highly recommend Richard and his team for your mortgage financing needs. From the start of our process to concluding at the closing table, Richard and his team delivered excellent results with flawless execution on behalf of my family and myself. He went above and beyond by clearly illustrating our options, communicating expectations for the process and introducing us to other partnerships (i.e., insurance, real estate brokers etc.) for a cross-country move. Financing a property? Call Richard now!

I highly recommend Richard Ray as your personal Mortgage advisor. His years of experience and professionalism helped my wife and I find a much lower interest rate when we Refi our home. We will definitely work with Richard when we purchase our next home.

United States Veteran who was served with Honor by Mr. Ray W.E. Shipley from Bowie, MD Had the opportunity to work with Mr. Ray on purchasing my home. He educated me on the whole process. As a veteran we had some specific processes we had to navigate, and Mr. Ray walked us through it with flying colors. Mr. Ray was attentive, knowledgeable and committed to getting me my home. He was successful in his mission. Salute to you sir! W.E. Shipley