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Professional, Respectful, Knowledgeable, are only a few words to describe Ray Cruz and his team

I have never written a review for anyone before but after the service and kindness that I received from Ray...read more

Closed Purchase Loan – Big Bear Lake, CA

Amir was referred to us by a trusted and experienced friend in the real estate business... now we know why!...read more

Closed Purchase Loan – Vacaville, CA

I had a difficult case due to my divorce and financial situation. I did not think that owning a home...read more

Closed Purchase Loan – Cabin John, MD

My wife and I purchased our dream home in spring of 2016 and Mr. Cruz helped us obtain our financing....read more

Closed Refinance Loan – Los Angeles, CA

Amir was kind understanding and professional. Thank you! Will recommend to family and friends. He got it done in a...read more

Closed Refinance Loan – Waldorf, MD

I have used Amir Guerami's real estate expertise on 3 occasions and every time I have been extremely pleased with...read more

Closed Refinance Loan – Kensington, MD

Everything went pretty smooth. I thought Ray was very good, very professional and proficient. No complaints at all. In using...read more

Closed Refinance Loan – Sarasota, FL

Ray is good. It was a good experience overall especially with Ray as I have confidence in him. I’m very...read more

Closed Refinance Loan – Rockville, MD

I’ve known Ray for a long time so everything went smooth. He did a fantastic job and it was a...read more

Closed Purchase Loan – Gaithersburg, MD

Absolutely great and quite honestly I cannot complain about anything. This is the second transaction we are going through with...read more

Closed Refinance Loan – Jacksonville, FL

The real goal was to get my husband on the title of the house because I bought it before we...read more

Closed Purchase Loan – Gaithersburg, MD

I felt like Amir did a really good job. Especially explaining what the options were and going through to settlement....read more

Closed Purchase Loan – Beverly Hills, CA

Amir has been a godsend. This was not the first home we purchased but it was definitely this easiest transaction...read more

Closed Refinance Loan – Laurel, MD

I just wanted to let you know that my family and I are very grateful for the assistance that we...read more

Closed Refinance Loan – Arlington, VA

This is our second time we used Ray to refinance and we did our original home loan with him and...read more

Closed Refinance Loan – McLean, VA

Amir was recommended to me and we had some good discussions as I’ve bought and sold a few houses before...read more

Closed Refinance Loan – Laurel, MD

I was very happy with the process and everything Amir did. I recommended my mother-in-law and she is very happy,...read more

Closed Refinance Loan – Waldorf, MD

Yes, I would recommend Ray. I was very happy with the process and he explained everything I needed in detail.

Closed Refinance Loan – Fairfax, VA

Amir was excellent. No problems at all as I enjoyed working with him. Very prompt at answering questions.

Closed Refinance Loan – Winter Garden, FL

Amir was awesome. Amir was very good when I told him my biggest issue so he corrected. He personally kept...read more

Closed Refinance Loan – Washington, DC

Ray’s great. Everything always is with Ray and his team is good and Ray is very thorough, clear and things...read more

Closed Refinance Loan – Hollister, CA

Amir was really great, really explained everything in detail. Absolutely no reservations with Amir as he was really good in updating us throughout...read more

Closed Purchase Loan – Vienna, VA

Everything was great. It was a good experience for me as he did a great job. Amir is the best...read more

Closed Refinance Loan – Silver Spring, MD

Working with Ray and team MC Financial was a very easy and seamless process. Ray was always there to answer...read more

Closed Refinance Loan – Washington, DC

The experience was great. I have a personal relationship with Ray and known him probably 6 years. Trustworthy, my wife...read more

Closed Refinance Loan – Westminster, MD

Everything was smooth and no problems. Really satisfied and everything is fine and I was able to decrease my mortgage...read more

Closed Refinance Loan – Crofton, MD

Ray’s great. Very quick, very thorough and explains things very clearly in layman’s terms. People like myself who just care...read more

Closed Refinance Loan – Middletown, MD

I've known Ray for a long time from the first mortgage refinance he did for me. I'm not sure, but...read more

Closed Refinance Loan – Annandale, VA

Every loan we do, we do with Ray because we know to expect personalized service and a great experience from...read more

Closed Refinance Loan – Falls Church, VA

Ray’s great. Very quick, very thorough and explains things very clearly in layman’s terms. People like myself who just care...read more

Closed Refinance Loan – Washington DC

I don't write reviews, let alone take the time to register to a website to write a review, nevertheless, it's...read more

Closed Refinance Loan – Arlington, VA

I worked with Ray to refinance my FHA loan. He was very professional and knowledgeable about the mortgage field. He...read more

Closed Purchase Loan – Fairfax, VA

I never write reviews, however, I was compelled to do so after working with Ray! It's very rare when a lender...read more

Closed Purchase Loan – Chevy Chase, MD

Excellent service and available after hours when we entered a bidding war. Would be happy to use them again! Very...read more

Closed Purchase Loan – Bethesda, MD

We needed to find a true mortgage professional for our recent house sale and purchase, so after researching and interviewing...read more

Closed Purchase Loan – NW, Washington DC

Working with Ray was a pleasure from beginning to end. My loan became increasingly challenging as time went on through no...read more

Closed Purchase Loan – Arlington, VA

Ray was very helpful throughout the purchase process. Everything from providing a pre-approval letter and discussing my purchasing ability and options...read more

Closed Purchase Loan – Bethesda, MD

Ray and his team literally saved us from losing our dream home. With less than 30 days before our closing, Ray was...read more

Closed Purchase Loan – Chevy Chase, MD

I was very impressed with Ray's level of professionalism and work ethics. He along with his team, went above and beyond! I will...read more

Closed Purchase Loan – Bethesda, MD

Great experience as a first-time home buyer. Ray was willing to walk me through each step with thorough and detailed explanations....read more

Closed Refinance Loan – Bethesda, MD

I have re-financed twice with Ray. He gave me very competitive interest rate and fulfilled his promises. The service was...read more

Closed Purchase Loan – Old Town Alexandria, VA

We had the best experience when we closed on our new home. Ray and his team went above and beyond to...read more

Closed Refinance Loan – Gaithersburg, MD

Ray is outstanding and his service and product are heads above the rest! He is very responsive, considerate, and helpful. The...read more

Closed Refinance Loan – Fairfax, VA

Ray Cruz worked with me on my initial mortgage for my house and then on both my refinances. Each time he and his team...read more

Closed Purchase Loan – McLean, VA

I have bought many houses in my life and I felt the need to write and let you know what...read more

Closed Purchase Loan – Beverly Hills, CA

We had a very tricky process purchasing this house. Everything that could have gone wrong on the seller's side did....read more

Closed Purchase Loan – Rockville, MD

Ray Cruz was recommended to me by my close friend, and he said that he had a great experience working with...read more

Closed Refinance Loan – Rockville, MD

I contacted Ray on a whim just to see if a refinance might be possible. We had just worked with Ray to...read more

Closed Purchase Loan – Culver City, CA

We worked with two lenders before Amir and they could not get anything right about our VA loan. Amir knew exactly what needed to...read more

Closed Refinance Loan – Arlington, VA

Referred to Ray by a friend. Couldn't have been happier with the experience. We had a lot of questions throughout the...read more

Closed Refinance Loan – Santa Monica, CA

Amir Guerami is simply the BEST. I have absolutely no reasons to be bias other than his continual excellent proven track record....read more

Closed Refinance Loan – Bethesda, MD

Simply outstanding experience. We had been working with our current bank, a large nationwide bank, to refinance our mortgage. The...read more

Closed Purchase Loan – West Los Angeles, CA

I was already pre-approved from another lender and I was told from a colleague that I should speak and work...read more

Closed Purchase Loan – NW, Washington DC

This was my 2nd mortgage with Ray, as well as 2 mortgage refinancing (4 experiences in total). I can confirm...read more

Closed Refinance Loan – Irvine, CA

Thank you, Amir, for getting our rental refi completed in such a timely manner. We are very impressed with the...read more

Closed Purchase Loan – Fairfax, VA

Ray was great to work with from start to finish! He was responsive and happy to walk me through all of...read more

Closed Purchase Loan – Toluca Lake, CA

We had an initial meeting on Saturday for a pre-approval. The letters were issued immediately. Before the meeting, I uploaded all...read more

Closed Refinance Loan – Vienna, VA

Ray and his dream team were a pleasure to work with: responsive, friendly, clear, helpful, fast. They use a secure electronic...read more

Closed Refinance Loan – Calabasas, CA

I just finished working with Amir for the third time (new home purchase, new home purchase, and a refinance). Meeting him was...read more

Closed Purchase Loan – Encino Hills, CA

At first, I was skeptical about going with MC Financial because I didn't know Amir and his company as long as I...read more

Closed Refinance Loan – NW, Washington DC

Ray is fantastic to work with. He is patient with my husband's and my busy work schedule and was helpful at reminding us...read more

Closed Refinance Loan – McLean, VA

Ray Cruz is truly a 5-star professional! My family has worked with Ray over the past several years on 2 mortgage refinances...read more

Closed Purchase Loan – Kensington, MD

I had talked to several lenders before deciding to go with Ray. I was a first-time home buyer and Ray would always...read more

Closed Purchase Loan – Glendale, CA

Amir Guerami and his team are OUTSTANDING!! No matter what time of day it is, they will get back to you...read more

Closed Refinance Loan – Toluca Lake, CA

I went out of my way to get quotes from several different lenders. It was clear right away that Amir...read more

Closed Refinance Loan – Culver City, CA

Amir Guerami and his team are excellent to work with. When I had a question I never had to chase them...read more

Closed Refinance Loan – Corona, CA

Amir assisted us in a home loan, he was very knowledgeable and made my husband and I feel comfortable with...read more

Closed Purchase Loan – Great Falls, VA

Amir is very knowledgeable and helpful. He answers every question and goes out of his way to suggest options and...read more

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