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.