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Profile picture for Ray Stevens

Ray Stevens

Confirmed Lender

Branch Manager (17 years experience)

Specialties:
Purchase Loan,
Refinancing,
Mortgage Planning,
Conf, FHA, VA, Jumbo, USDA, HARP

Ratings & Reviews

We recently completed a "challenging" re-finance through Ray. When we almost did not go to closing due to appraisal issues, Ray's persistence allowed us to restructure the deal at close to the original terms. I think he also set a record for getting the closing paperwork completed; the revised loan papers were updated and executed in just under three days. Through it all, Ray was highly professional and very responsive. Would definitely recommend him to anyone looking to re-finance or otherwise in need of mortgage help.

  

01/04/2010 - kph12
Closed refinance loan. Buckland, Gainesville, VA 20155

We recently completed a "challenging" re-finance through Ray. When we almost did not go to closing due to appraisal issues, Ray's persistence allowed us to restructure the deal at close to the original terms. I think he also set a record for getting the closing paperwork completed; the revised loan papers were updated and executed in just under three days. Through it all, Ray was highly professional and very responsive. Would definitely recommend him to anyone looking to re-finance or otherwise in need of mortgage help.

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Response from Ray

 

  

01/10/2010 - don name must be
Closed refinance loan. Duck Key, Marathon, FL 33050

Ray is very efficient and at the same time very pleasant to work with. When rates dropped, I wanted to lock in one day and Ray stayed late into the evening to assure that my paperwork was all processed on time. I have recommended Ray to both of my daughters and they are currently working with him.

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01/12/2010 - ddnt1
Closed refinance loan. Maple Grove Estates, Rose Hill, VA 22310

Ray Stevens is in his own class! We truly appreciate Mr. Stevens's service, including his advises, his punctuation and, most important of all, his just-right and on-message communications. Although we have done refi and loan applications before, we were very skeptical and hesitate. It's our first time to do a loan over the Internet and doing it with someone we do not know or see, Ray took away that perception as soon as I had the first conversation with him. We've always heard: "If it's too good to be true, it's too good to be true!" However, from our experience with Ray, I can conclude that it's true that he is true and he is too good. Thank you, Ray. And, THANK YOU SO MUCH for Zillow's Mortgage Market. It's almost a perfect, functional market, where buyers and sellers can interact easily with tons of fluid information. The Trans

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Response from Ray on 01/12/2010

Thank you for the kinds words Duke. Your politeness and humble nature was greatly appreciated and is a model for how I too like to interact with others be it business or personal. I am happy you are happy!

 

  

01/13/2010 - walk18
Closed refinance loan. Newington, Springfield, VA 22153

We received excellent advice and service from Ray and his team. After receiving his GFE, I was still unsure about refinancing online through someone I did not know. Looking back, my earlier refis had been with someone I did not know so there was no difference. Regardless, Ray kept me informed of the direction the rates were heading and he was not pushy in any way. Once I committed, the process was very smooth and easy. We signed the paperwork in the comfort of our own home compatible with our schedule. Thanks Ray!

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01/19/2010 - eolulenu
Closed refinance loan. Mt Hope, NY 10963

When I started the process I was just looking around to see what interest rate I could receive to refinance my home. I already had a decent interest rate and was very comfortable with my payment. I came across Ray's profile and his glowing reviews and thought to myself why not give him a call. This was one of the best decisions I've made. He was very attentive and explained to me the different options that were available to me. Ray made me feel comfortable through the entire process and kept me informed either via telephone and/or email. I just closed on my home today (1/19) and felt compelled to leave Ray another glowing review to add to his stable. I highly recommend Ray to anyone looking for guidance on the purchase and/or refinance of a home. Not only is Ray Stevens one of the most professional individuals that I've ever dealt with but he is also the type of person that wants you to be comfortable with your decision long after the ink on your closing papers have dried.

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04/02/2010 - rikwagner
Closed refinance loan. Bell Forest, VA 20112

Ray and his team were outstanding. They made the whole experience easy for me. He even got me a better rate than I requested. I would recommend Ray to anyone looking to get a mortgage.

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Response from Ray on 04/04/2010

Thanks Rik. I don't play games with rates. If the rates drop, you are entitled to a lower rate. I make the same so lowering the rate is painless for me. Honesty is very important part of my business and personal style.

 

  

04/16/2010 - ChuckFarrell
Closed refinance loan. Coral Ridge, Lazy Lake, FL 33305

Very professional - excellent service. Highly recommended. Beware of other brokers on Zillow who offer teaser rates only to increase their fees *after* you've submitted 100 documents. Ray doesn't work like that. He is completely legit and professional and his initial quote for my refinance mortgage was right on target.

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04/13/2010 - 2whitewine
Closed refinance loan. Potomac Hills, Mc Lean, VA 22101

Ray responded immediately to my bid request and was also very quick and thorough in his follow-up. Rates and terms were exactly as promised and highly competitive. All in all, very professional and efficient in the entire refinance process with the gathering of information and the like, and the closing was extremely smooth. I would rate Ray's level of service at the very top and will definitely contact him again should we need another mortgage in the future.

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04/16/2010 - butvinik
Closed refinance loan. Riverview, FL 33579

Over the past 10 years I have gone thru a handful of closings and refinances. This last one with Ray was the best. Ray was very helpful and professional from start to finish. Everything was done remotely and closing agent came to our home, can't be any more convenient than that. At first I tried to refinance with my current lender Citibank, it was horrible. Clearly Citi was not interested in giving me a better deal. Well, Citi, now you have nothing at all, serves you right for such service. Ray, on the other hand, went out of his way to find me the best loan possible, even better than I could find myself on Zillow and other sites. I highly recommend Ray to anyone who wants a perfect mortgage agent. Thanks Ray!

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04/22/2010 - twashing
Closed refinance loan. Arbor Forest, Marietta, GA 30064

Ray and Carolina are true professionals. Unlike many brokers, Ray took the time to explain the underlying reasons why interest rates were changing. He sent me the historical trends and explained why the changes had happened. This helped me to make an educated decision on whether to lock my rates. The electronic process was simple and easy. He and Carolina kept me fully informed of the process and took care of those little issues that always come up. On top of making the process easy, Ray offered the most competitive rate anywhere. I highly recommend Ray Stevens for anyone considering a refi or an original loan.

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