TRUSTED SERVICE. PROVEN RESULTS.

Stories of Homeownership from Texas & Florida
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Speed Wins Deals
In this market, time is money. We close loans in days, giving your offer the competitive edge it needs to win.
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Direct Access
No call centers. Direct access to a National Broker of the Year, accountable every step of the way.
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Strategy-First
We don’t just quote rates. We provide a Total Cost Analysis to ensure your mortgage builds long-term wealth.
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★★★★★
"Ray is the absolute best in the business. On our most recent purchase this month, he helped us close in less than 12 calendar days."
- Riyaz Samnani (Dallas, TX)
★★★★★
"My husband and I were needing to close on our new home sooner than expected. Ray made the loan process easy and painless."
- Kaylie Guadarrama (Fort Worth, TX)
★★★★★
"Thank you Ray for making such a stressful process go so smoothly. As a first time buyer, I can't express how much I appreciate the guidance."
- Kristina (Bedford, TX)
★★★★★
"Ray Gulam is the absolute best! He helped us along each and every step. We truly feel like he went out of his way to help us the whole time!"
- Katie & Benjamin (Garland, TX)
★★★★★
"Ray shoots straight and comes through in every way. He is dependable in an industry that is stressful enough on its own."
- D. Blesch (Lewisville, TX)
★★★★★
"Exceptional professional. He was responsive, efficient, and I can't wait to work with him again on my next mortgage."
- Beth Zimmerman (Euless, TX)
★★★★★
"Fastest loan in town. Another lender dropped the ball at the last minute; Ray picked it up and completed the process within 10 days."
- Rene Roj (Garland, TX)
★★★★★
"Personable and responsive. We had a seamless experience and were able to get into the home we wanted. Highly recommend."
- Zane P. (Lewisville, TX)
★★★★★
"After struggling with several other lenders, Ray was very helpful and honest upfront. I have already recommended him to family."
- Sonido Poder (Dallas, TX)
★★★★★
"Ray Gulam is the best. He was on top of all the steps to complete the refinance quickly and professional.He was easy to work with and helped us though every step."
- Debbie Nerbonne (Dallas, TX)
★★★★★
"Ray treated us like family. We got a great rate and closed faster than we ever imagined possible. Truly the smoothest process ever."
- First Time Homebuyer (Texas)
★★★★★
"Ray and his team made the process stress-free from start to finish. Every question was answered, and we felt supported the entire way."
- Featured in Voyage Dallas

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