About Ray
With over two decades of dedicated service in the mortgage industry, I bring a wealth of experience as a producing sales manager committed to assisting individuals in achieving their dreams of homeownership and financial security. As an educator and motivator, I passionately guide my clients through the intricacies of buying homes and refinancing, ensuring a comprehensive understanding of the process. My unwavering dedication extends beyond mere transactions; I prioritize fostering long-lasting relationships built on trust, reliability, and personalized guidance, making certain that each individual feels empowered and informed every step of the way. With a relentless commitment to excellence and an innate ability to simplify complex concepts, I aim to transform the mortgage experience into an empowering journey toward realizing dreams and securing futures.
OUR CLIENTS LOVE US
Angelo, Hampton Bays, NY
John, Bayside, NY
Affordability Calculator
How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.
CalculateMonthly Payments
Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes.
CalculateRent Vs Buy
Still renting an apartment and thinking about a home purchase? This calculator can help you make the final decision.
Calculate