Before meeting Ray I had no idea how to go about buying a home. Actually I wasn't even thinking about it but the way he spoke to me helped me trust that this is a genuine person. From The very first day I spoke to Ray, I felt he had my back and walked me through all the intricacies of buying a home. He was with me till the day I took possession of my home . After that he was still looking out for me and helped me reduce my interest rate when rates went down. I will use Ray anytime I need to talk mortgage and home buying. Ray is the real deal Thanks for helping me Ray