Profile picture for Ray Stevens

Ray Stevens Reviews

Ray Stevens
Branch Manager, NMLS, Indiv (19 years experience)

Specialties:

Purchase Loan, Refinancing, Mortgage Planning, Conf, FHA, VA, Jumbo

 
- Highly likely to recommend
09/16/2009 - MyMortgageExplore
Gave me a quote on Zillow, but it did not work out. Sully Plantation, Sterling, VA 20151
Ray patiently gave me a lot of information and education. I did not close the loan because my house was not considered as much worth as the loan I was asking for. He is a good lender. Thank you
Profile picture for Ray Stevens
Response from Ray

 

- Highly likely to recommend
09/13/2009 - Dansyl
Gave me a quote on Zillow, but it did not work out. New Windsor, Town of New Windsor, NY 12553
My experience with Mr. Stevens was an extreme pleasure! His response time was incredibly quick, despite some of questions and concerns being sent to him after normal business hours! He was incredibly knowledgeable and layed out all my options, explaining in detail the process, rules and pros and cons of each, as well as which was a better option for me based on my needs and concerns. The process is extremely quick and I had my paperwork in hand within 48 hours after contacting Mr. Stevens. He was incredibly patient with me as I went down the line of questions for him and he actually took to the time to educate me, even telling me what web sites I could visit to get additional information. It was a pleasure to work with Mr. Stevens. I did not close because of circumstances changing at the last minute and changing the time that I need to refinance. Based on the information, Mr. Stevens advised me what time of month I should seek to refinance and went on to say that since I already had provided my information, that he would send me the paper work at that time to complete. It has been a pleasure to work with you Mr. Stevens. I appreciate all of your help, speedy responses and expertise. I look forward to doing business with you in January. Sincerely, Sylvia
Profile picture for Ray Stevens
Response from Ray

 

- Highly likely to recommend
09/06/2009 - brownb4
Gave me a quote on Zillow, but it did not work out. Independent Hill, VA 20112
We did not close our loan due to the value of the appraisal coming in at less than expected, but we were very happy with the attention to detail and cost estimates provided by Ray. When we are ready to refinance our home we will definitely use Ray. He was always honest and was able to answer all our questions. Exceptional customer service!
Profile picture for Ray Stevens
Response from Ray

 

- Highly likely to recommend
10/22/2009 - MCG3514
Gave me a quote on Zillow, but it did not work out. Lakewood, Lakewood Township, NJ 08701
I would have closed with Ray Stevens, but I received an offer with less closing costs.
Profile picture for Ray Stevens
Response from Ray

 

- Highly likely to recommend
10/12/2009 - shikhari123
Gave me a quote on Zillow, but it did not work out. Wyoming, Millburn, NJ 07041
Ray was straight forward and very helpful in exploring all mortgage options. For now, I am not actively pursuing a refi but I will surely consider him.
Profile picture for Ray Stevens
Response from Ray

 

- Highly likely to recommend
10/09/2009 - saksinha
Gave me a quote on Zillow, but it did not work out. Rosedale, Princeton Junction, NJ 08540
Every interaction with Ray was a delight. I have never seen a process so transparent and open letting me know exactly what is happening to my loan process, How is my loan brokered with wholesale lenders and out of ordinary response to all of my querries. Ray and his team is super-fast with getting back to you and there is never a moment where you are left wondering in the limbo. The best feature of dealing with Ray that I liked was his uttermost honesty in explaining the closing cost structure and him working on my behalf to find the best lender to meet my individual need. In my case for example I had some tough criteria to find a lender with lowest interest rate (pretty obvious), but also with lower closing cost, flexibility to escrow arrangement and flexibility to repay my loan. Ray found out the best combination and proved beyond point of doubt the deal he presented to me is the best deal in the market. I work in the financial services area and am myself pretty savvy with finances and ways the industry work. As banks offload their work of seeking brokers to originate their loans while maintaining strict quality control (something that was not done in the past and we all know the consequences), Ray's team have been very helpful in laying out the qualification criteria getting you quickly into the process with the lenders. Above all Ray is curteous, thoroght proffessional and a real gentleman to deal with. His team is also pretty quick to respond, gives clear instructions in terms of what needs to be done and assures you that they are working round the clock in the background to complete your loan process as soon as possible. Ray's system is completely automated and one can do request to closing fully online.
Profile picture for Ray Stevens
Response from Ray

 

- Highly likely to recommend
12/23/2009 - vapers
Closed refinance loan. Deanwood, Great Falls, VA 22066
Ray is a true gentleman, honest, bright and effective. He didn't have the lowest rates on zillow when I first decided to chose him but I decided to go with him because of the reviews here. I am glad I did. Even the rate was floated down by Ray during the documentation process as they had dropped. The GFE I received initially was accurate to the end and there were no surprises, etc. (which I had seen in multiple other instances when I bought house). Overall, a great guy and got a great rate with honest, low fees. Will definitely call on him the next time I decide to buy or refinance a home.
Profile picture for Ray Stevens
Response from Ray

 

- Highly likely to recommend
12/30/2009 - thomas_n
Closed refinance loan. Hunters Creek, FL 32837
We just refinanced with Ray Stevens and his team. His initial GFE promised a very competitive interest rate and fees. Today we closed on the loan with that interest rate and closing costs in line with their initial estimate. Throughout the process, they were knowledgeable, available and generally a pleasure to deal with. I would highly recommend him to anyone. I especially liked that I could scan all documents to PDF and upload them to their website directly. Faxes are unreliable, slow and distort documents. On the other hand, you always get a confirmation when the upload is successful.
Profile picture for Ray Stevens
Response from Ray

 

- Highly likely to recommend
10/23/2009 - gatoradescout
Closed refinance loan. Downtown, Sarasota, FL 34236
Ray Stevens is an excellent mortgage broker whom I cannot say enough good things about. I have just started the process with Ray, so the closing will be in a few weeks from now.
Profile picture for Ray Stevens
Response from Ray

 

- Highly likely to recommend
11/13/2009 - drabina
Closed refinance loan. Leonia, NJ 07605
I just closed with Ray few days ago. I have picked him based on the reviews here at Zillow and hasn't been disappointed. He's is knowledgeable and easy to work with mortgage broker. My closing was not very straight forward but Ray and his crew was able to get me thru the process without any issues. He does follow up with calls even after the closing to make sure his clients are satisfied. I would definitely not hesitate to recommend his services to anybody I know.
Profile picture for Ray Stevens
Response from Ray

 

Contact Lender
  • Please enter a first and last name.

  • Please enter a valid phone number.

  • Please enter a valid email address

  • Please fill in a note to the lender (5 character minimum).

  • Submitting contact...
    An unexpected error occurred. Please try again later.
 
Professional Information
Address:
GSF Mortgage Corporation
944 Country Club Blvd, Suite 201a
Cape Coral, FL  33904
Phone:
(888) 610-3748
Email
Web:
Website
Advice posts:
484
Screen name:
Ray Stevens
Member since:
05/20/2007
NMLS #:
  • 177825 - Indiv
Other Licenses:
  • 177825 (NMLS, Indiv)