“As first time buyers we were nervous going into the home buying process. However, Ray continued to help and work with us through the entire process. Our experience was great! Everything went very smoothly and Ray contributed to such an easy process. The entire time he stayed on top of what was needed in order to get our mortgage. Once we finally decided on the house, in a little over 2 weeks we went to being homeowners! Thanks Ray for all your hard work. You made our first buying experience wonderful!”

“My experience refinancing with Mortgages USA was quick, easy, and best of all, financially beneficial. Ray Gulam and staff are obviously seasoned and experienced professionals in their field. Communication was excellent, and I was kept apprised of the status of the transaction throughout the process. Ray went above and beyond to assist with gathering the required documentation, and my refinance was completed efficiently and closed smoothly, on time, and as promised. Would definitely recommend to anyone in the market.”

“Ray was fast and efficient in shepherding our refinance process. We were grateful for his tenacity in helping us finalize our transaction with as little complication as possible.”

“It has been our pleasure to work with Ray Gulam w/Mortgages USA. We decided to refinance last year and called upon Ray to handle this transaction. He has been nothing but courteous and professional in completing everything necessary to close this transaction. We were impressed by his timely manner in all that was requested of him. It was a joy to work with Ray and Mortgages USA. I highly recommend his services.”

“Ray Gulam was a pleasure to deal with and made what can be a sometimes confusing re-financing process simple and straightforward. Ray was very responsive and was able to get my re-finance ready to close in less than two weeks! I cannot recommend Ray Gulam more highly and would readily refer anyone I know to him for their mortgage financing needs.”

“Thank you again for all your help, Ray. Your professionalism and knowledge made me feel at ease during these past few weeks. I will highly recommend you to everyone I know who is looking to purchase a home!”

“Just wanted to say thanks again for helping us get into the house. Now that the stress of worrying for so long is behind us and we’ve pretty much settled in, we’re really enjoying it and it’s been a blessing to our family.

Without you that wouldn’t have been possible. Work is work and business is business, and everyone is in it to make a living. But what you do affects lives in countless ways and helped beyond what you can ever imagine. You really do help dreams come true and impact others in a positive way. I hope you feel proud with what you do, it’s deserved.

Anyone I know needing a home loan I will refer to you without hesitation. You’re a star in the industry.

God bless and thank you,
”

“I have had the pleasure of knowing Ray Gulam for almost a decade. He personally assisted my family with the purchase of our home. Ray is very nice and an expert in helping people with home loans and refinancing. He made the process so comfortable and easy, keeping us informed every step of the way and he even drove a very long distance to be with us at closing. I couldn’t believe he did that and was so happy he was there to watch over that process making sure that everything was as it was supposed to be! I HIGHLY recommend Ray to anyone who is interested in buying a new home. Even if you are not 100% ready, he will advise you on your options and will happily answer any questions. Thank you Ray! Our family is thankful for all you do!

- Michael H. Arlington, TX”

“My husband and I were needing to close on our new home sooner than expected since we had a baby on the way. Ray made the loan process easy and painless. We really appreciate all of his help and guidance. He was there to answer any questions we had along the way. We definitely would recommend Ray to anyone and everyone!

Thank you Ray!!”

“Ray! Definitely Ray! If I didn’t know any better I would say Ray works 24/7!He was ALWAYS available. ALWAYS following up - ensuring I had no questions or concerns. The utmost in professionalism. I will recommend Ray to anyone I so much as hear whisper they are looking to purchase a home. He made the entire process much less stressful. I will definitely be passing his name around. Thank You Ray!!”

“Ray was an incredibly understanding, perfectly professional, great sense of humor and an absolute delight. He was very patient with our crazy life and schedules while helping us make great financial decisions that fit our needs. Customer Service, Kindness. Compassion and understanding rare qualities in the fast paced business market of today. I highly recommend his services.”

“Ray was very informative and friendly. Always in contact and very nice!”

“My experience with Ray was fantastic! I appreciate all the sound advice that was given to me as well as Ray’s patience with me. I would absolutely refer Ray to anyone in the future!”

“Ray made the process for refinancing really simple. He and His support staff process the documentation on a speedy and accurate way which made the process painless and fast. I am really happy with the refinance experience. Ray has been there when I have questions about the process (quick follow up). Kudos to Ray and his support group.”

“Ray is an absolute professional. He was always prompt in his response and always had the best guidance in mind. Getting this loan was a breeze, and it was all thanks to Ray.”

“I was shopping around refinancing my home. Fortunately for me I found Ray and made my life easy. The entire process was very smooth and quick. When I worked with Ray Glum who answered every question and concern I had. The rates were incredible but the service was above and beyond and I was able to close in record time! Highly recommend.
”

“Thank you Mr. Gulam for being so patient while I was working and trying to get things done on my house. It was also during Oregon’s really rainy season, which is also why it took so long. And then my Dad died. And not once did you make us feel pressured. Hopefully, we can work together again in the future, for purchasing our home to retire to, someplace not so rainy. Thank you again!”

“Ray Gulam was the driving force in getting our home financed. Had he not been there to help, I don’t think we would have ever finished the process. Our thanks go out to him for the great job he did in providing the best loan solution available.”

“When I decided to refinance my house, I was told to contact Mortgage USA. I was referred to Ray Gulam who was very professional and made my refinancing very easy. I would recommend Ray to my family and friends if they were interested in refinancing their home or were buying a new home.”

“Ray Gulam came highly recommended to my husband and I for the refinancing of our home. We had gone through the process with the previous owner of our mortgage with much different results. Mr. Gulam made the process easy and worked with us to get the best rate possible on the loan he secured for us. We could not be happier with his service and would recommend and use him again in the future.”

“I was referred to Mortgage USA by a family member that said “trust me Ray will take good care of you.” I was reluctant at first. Mainly because he was in the DFW area and I was in San Antonio. My friend said the distance wouldn’t be an issue. She was right. The entire process was painless, easy, and very quick. In fact the process would have been quicker if I had not been working the entire time. The refinance was probably my tertiary focus at best. Ray was patient and completed the refinance as soon as I provided him with the necessary documents. There was not a question he could not answer. I am very satisfied with him and his company. I will call him again in the future for other properties and would recommend him to my family members!”

“Ray Gulam, with Mortgages USA, is a trusted and valuable asset to have in the mortgage industry. He was able to work a deal for me that was easy to process and to my satisfaction, when no one else could get me what I was looking for. His information was accurate and his follow up was spot on.

I would encourage anyone needing his services to proceed forward without reservation.”

“Thank you so much for all your help!!! You were clear and precise and you did everything in a way that we could understand.”

“I wanted to thank you again for being there to provide a sanity check for an offer I had received from my current mortgage company. You are not only a trusted source, you were able to provide me a much better offer.

I wasn’t in the market, but moving forward on the VA refinance made good financial sense, even though I had only planned to stay in this house 48 more months. The VA refinance was so smooth, took very little of my time, and was completed in about two weeks.

Thanks again Ray
”

“I was fortunate to work with Ray Gulam for my home loan. He was extremely responsive to all my calls and concerns, and worked diligently to get me an exceptional interest rate on my loan. As amazing as it seems, everything went extremely smoothly and on-time with my closing. He’s very knowledgeable in his field and certainly earned my confidence. I highly recommend Ray to others.”

“Ray Gulam with Mortgages USA is such a pleasure to work with. With his knowledge and experience, we closed on our home in a little over 2 weeks! Every question that we had throughout the process he happily explained and would even answer his cell phone if he was out of the office. The whole process with Ray was top notch and I will be using him for all my lending needs.”

“Thank you Ray for making such a stressful process go so smoothly as well as for all your support and guidance. I can’t express how much I appreciate it as a first time home buyer. I will certainly save your contact information and recommend you to all my friends. Thank you!”

“Thank you so much Ray for your professionalism and dedication to help us! This is our second time coming to you and you have exceeded our expectations. Of course we are always talking about you and referring you. We can’t thank you enough for all your hard work in making this refi quick and painless!”

“I had the pleasure of working with Ray for a particularly difficult transaction. The buyer’s wants and budgets made for little inventory. Often the buyer and I would run and see a house first day it hit market and when we made an offer Ray was easy to get a hold of and sent us the necessary documentation within a moments notice. The house that we closed on June 27, we were able to make an aggressive offer due to Ray’s commitment to getting the loan done. Most Lenders and Realtors will tell a client that it takes at least 30 days to close. So when Ray said we could get it done in 18 days, I was literally a doubting Thomas! However, with Ray’s persistence and checking the file himself constantly, we were able to get from offer to close in 18 days! It was my pleasure to work with Ray and I look forward to the next time! Thanks buddy!”

“Ray is the best. He moves the process along, stays in communication with us, and is always polite, helpful, and explains things along the way.”

“Ray was always there to keep me advised. Answered all questions in a timely and professional manner. ”

“Ray was very attentive to our needs and was punctual providing information.”

“Ray is an excellent person!! He is polite, kind, caring . He made the process so much nicer. I would definitely refer him to everyone for any of your mortgage needs.”

“Ray is an excellent person!! He is polite, kind, caring & an absolute pleasure to do business with. He is also extremely knowledgeable in the mortgage & housing business. I’m very happy to have had the opportunity to work with him on my refinance. I will be calling on him again, in the future, for any & all of my mortgage needs.. He is, & I don’t say this about mortgage agents, ever, Absolutely the BEST Mortgage Agent I have ever worked with. Thank you so much for everything, Ray. God bless you”

“My experience in purchasing a home and working with Ray Gulam was great! He was very knowledgeable, professional and friendly throughout the entire process. He kept me informed every step of the way, which put my mind at ease. He made himself available to answer any questions I may have had. As my closing date got closer, he let me know what to expect. I highly recommend Ray Gulam!”