Top qualities: Great Results, Expert, Good Value “I used Ray to process my mortgage when I bought my house. He was always very prompt, friendly, and forthcoming. He knew about Colorado laws and federal loopholes that ended up saving me $1000's. He always had my best interest in mind. The rates dropped about 6 months later and I used Ray to refinance my loan. Again, he paid close attention to detail and expedited the process as much as possible. I refer Ray to everyone I know looking to purchase a home or refinance. I truly feel he is the best in his industry!” August 18, 2011

Joleen Bunt - Denver, CO

Top qualities: Great Results, Expert, High Integrity “Ray was able to come in at the 11th hour during my home purchase process, and when my other lender couldn't come through, Ray showed me the way to make it happen. There is a quote that says, "I don't hire an attorney to tell me what I can't do, I hire an attorney to tell me how to do it." I have to say that Ray held to this standard as my lender. I was very impressed with his professionalism, his high integrity, and his expertise!” August 18, 2011

James Phifer - Denver, CO