"Ray is the absolute best in the business. I've known Ray and have worked with him for almost 15 years. He's always on top of it. On our most recent purchase this month, he helped us close in less than 12 calendar days."

"Amazing! 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."

"Thank you Ray for making such a stressful process go so smoothly as well as for all your support and guidance. Can't express how much I appreciate it as a first time home buyer. Will certainly save your contacts."

"Ray Gulam is the absolute best! It was our first time buying a home and we had absolutely no idea what to do. Ray helped us along each and every step. We truly feel like he went out of his way to help us the whole time!"

"Ray Gulam is awesome! He shoots straight with you and comes through in every way he is needed. He is dependable in an industry that is stressful enough without having to worry your lender might not come through."

"Ray Gulam is an exceptional professional to work with. I used him to refinance my home to a lower interest rate with fewer years. Ray was wonderful to work with. He was responsive, efficient, and I can't wait to work with him again."

"Fastest loan in town. Another lender dropped the ball at the last minute, Ray picked up the loan and completed the entire process within 10 days. We were even able to secure a lower interest rate."

"Ray is a great mortgage broker. He is personable and responsive. We had a seamless experience and were able to get into the home we wanted. I have recommended Ray to my friends and would recommend him to you."

"Most amazing experience ever. After struggling with several other lenders... Ray is a very friendly and helpful person that will tell you the truth upfront and be very honest with you. I have recommended Ray to family."

"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 and his team made the process stress-free from start to finish. Every question was answered, and we felt supported the entire way. This was by far the smoothest mortgage process we’ve ever experienced."

"Ray treated us like family. We got a great rate and closed faster than we ever imagined possible. It was a pleasure working with him to secure financing for our new home."