Ray Cruz is truly a 5-star professional!
My family has worked with Ray over the past several years on 2 mortgage refinances and 1 home purchase. In every case, his rates have been very competitive within the market. Ray is always available to answer our many, many questions about the loan process. We love to have all the details and Ray patiently provided as much detail as I wanted. I’ve always been impressed with his responsiveness, even returning calls outside of business hours as the loan closing dates approached. He keeps a keen eye on the market and alerted us to dropping mortgage rates and let us know the best time to move forward with a refinance given current and future mortgage rate trends.
We will definitely work with Ray for all of our future home mortgage needs.