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Profile picture for Ray Stevens

Ray Stevens

Confirmed Lender

Branch Manager (19 years experience)

Purchase Loan,
Mortgage Planning,
Conf, FHA, VA, Jumbo, USDA, HARP

Add personality to your profile! Tell the community about yourself, your home, and your profession.

I operate a branch of GSF Mortgage Corp in Southwest Florida.  GSF is a Direct Lender for Fannie Mae, Freddie Mac and Ginnie Mae (Seller/Servicer).  Not every Direct Lender can make this claim.  This means EVERYTHING is done in-house.  

I am personally licensed in New Jersey, Virginia and Florida.  GSF is licensed in 24 states and growing each month.

As one of Zillow's top rated lenders, you know you are working with a PROVEN PROFESSIONAL. As a top producer, the volume I close each month allows me to lower my fees which in turn lowers the rate.  Along with great rates we have a fantastic underwriting system. The system keeps track of everything and ensures your loan moves through the pipeline without getting lost.  

For the quickest response, please call the toll free number showing with my quote.

Understanding the fees you will pay is one of the first aspects of a mortgage application to examine. Upon request, I will send you an easy to read Fees Worksheet showing all your fees and credit. 

There are third party charges and fees not quoted on Zillow such as escrow setup for taxes and insurance, title fees, title insurance, prepaid interest, state recording fees, and local/state mortgage/transfer taxes. On refinances, you may be able to include these charges in your new loan amount.


Ray R. Stevens
GSF Mortgage Corporation
Branch Manager
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Ratings & Reviews


08/29/2014 - cassidy norman
Closed purchase loan. Princess Anne, Virginia Beach, VA

Ray has been my lender twice in the last 3 years - and both times offered a loan that was at least 0.25% better than local mortgage brokers (apples-to-apples, all things considered).

I was counseled to avoid internet lenders but Ray was consistently responsive via phone and email - and because he is experienced and objective, I went to him for advice not only on my loan, but also on several other topics well out of the scope of a mortgage loan. He is honest, fair and ethical. This may sound over the top, but he truly cares about his customers and is not looking to maximize his own profits. No kidding.

A few years ago, we were delayed once because of an oversight in paperwork out of Ray's office. However, our execution of our recent loan this summer (with his new staff) was flawless.

I would sincerely recommend Ray to anyone looking for a fantastic loan loan rate and trustworthy mortgage broker.
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Response from Ray



07/02/2014 - lintas1
Applied for a loan, but it didn't work out.

Ray is hands on professional, honest and trustworthy. He worked with me on my difficult loan and made it sound easy. Yes, distance is an issue working with Ray but he overcomes that by responsive email and telephonic conversation. He assured me that my loan will close beyond doubt. I have no hesitation recommending him to anyone as well as bringing my future business to him.  More Less 

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Response from Ray



05/24/2014 - zuser20140524104355575
Closed purchase loan. Lehigh Acres, FL

Ray did a great job closing my loan and let me tell you, it was no easy loan to close.

I have a complicated financial background and I am also a commissioned and self-employed person. When they were bumps along the road, he didn't flinch and assured me that everything would be okay. In all due time everything was and the loan closed perfectly.

Getting a mortgage nowadays is more difficult than ever but Ray walked me along the process and advise me exactly what I needed to do. I would highly recommend Ray to anybody looking for a home loan in any area, his experience is definitely something that is worth talking to him for.

Thanks for everything Ray!
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