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OneRay - OneTrust Home Loans  

1702 E Bullard Ave Ste 104 - Fresno, CA 93710
I have been serving Fresno and Central California’s mortgage needs since 1994. You receive the advantage of my knowledge and experience to smooth out the hassles, avoid speed bumps and insure that you get the best rates and programs that are currently available as well as the RIGHT program for your needs and desires.

http://www.OneRay.com

FREE Consultation & PreApproval.
Book now: oneray.com/appt

Ray Jones - (559) 346-7238  

Fresno Mortgage Loan Officer

My Expertise
I don’t sell Real Estate, Insurance or Am-way and I don’t know anything about replacing the alternator in your Bugatti, however, I KNOW MORTGAGE LOANS. I am ready, willing and able to assist you in achieving your goals. We offer a full range of purchase, refinance and reverse mortgages but my specialty is getting my clients the RIGHT loan program for their particular situation.
www.OneRay.com
Consultation is FREE. Call, text, or email me today. Seriously, I love talking about mortgage loans and offering my opinion.

Services
Loans & Lending - Residential

Years Experience
23 Years in the Central Valley and Fresno area

Licenses
Mortgage License NMLS/CA-DBO 212593

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Questions & Answers
Q: What advice would you give to a customer looking to hire a company like yours?
A: Home buying is a BIG step and getting the RIGHT mortgage program and best rates can be a challenge. Talk to several local lenders to find someone that you connect with and that you know is looking out for YOUR best interests.

Q: What is the most common type of project or service your company provides?
A: We help people find all the options that are available and help them choose the RIGHT mortgage program and options that are available in the Central CA area.

Q: What would you like your customers to know about your company?
A: Programs include: FHA | VA | FHA 203(k) | FHA High Balance | HECM Reverse Mortgage | Reverse Purchase | Conventional | Jumbo | USDA-RD | Construction| Rehabilitation |HBAP | Credit challenged buyers | DAP | CalHOME | Cash-out | Homestyle |Boomerang | 1st Time Buyers | Home Ready | Debt Consolidation | Stated Income | Agency High Balance | High LTV | Investment | MCC | HARP | Streamline | CalHFA | CalHome | Platinum | Sapphire |Access | DAP/DPA – Down Payment Assistance | CHDAP | etc...

Q: What is your company best known for?
A: Specialties: Home mortgage lending for purchase and refinance of residential properties. I don’t sell Real Estate, Insurance or Am-way and I don’t know anything about replacing the alternator in your Bugatti. What I do exceptionally well, however, is mortgage loans. I specialize in helping people achieve their goals and dreams.

Q: What separates your company from the competition?
A: I care that you get the best rates and programs that you qualify for. Our interest rates are consistently better than most and we offer many programs and options, not just the ones that are easy or make me the most money.

Q: Does your company offer discounts to senior citizens or veterans?
A: SENIORS: We offer Reverse Mortgages for Seniors. We start by meeting with the Senior borrowers, their family and their financial advisers to be sure everyone understands what is going on. VETERANS: We offer VA benefit home loans. The VA mortgage is probably the best program available because it is actually a program designed to HELP veterans. MCC: We offer the 20% interest rebate program to First Time Buyers. With this program, the IRS REFUNDS 20% of the mortgage interest paid each year on their tax returns. This is a dollar for dollar CREDIT and not just a deduction.

Q: Tell us a little about your company.
A: Fresno, CA Mortgage Company serving the San Joaquin Valley and coastal communities of central California. We offer a full line of mortgage loan programs for the purchase and refinance of real estate at the best possible interest rates for your specific situation. We are driven by the highest standards of integrity, professionalism and knowledgeable service.

About Us  
Ray Jones, Fresno Home Loan Officer  

Free credit review with prequalification.
Apply online: OneRay.com/pq_purchase.html
Then book appointment online: OneRay.com/appt
About Us Image 2
Projects  
Project Image 1 Purchase first home - E Pico Ave - Fresno, CA  

Another very happy customer.

We had some property repair issues but still only closed 8 days late. We were able to obtain a Mortgage Credit Certificate (MCC) for the borrowers. This program allows borrowers to get a 20% rebate on the interest they pay on their loan every year from now on.

Here is what the borrower thought:

If you are looking to buy a house and need a lender? Well look no further because Ray @onetrusthomeloan is the ONE!! We just bought our first home! It was a wonderful experience. Ray is knowledgeable and has been there every step of the way helping us, guiding to get the loan process done fast and smooth. He's going to be our go to guy for our family and friends from now on. Thanks Ray!!!
(R. Yang)
How We Charge For Our Services
Loans & Lending - Residential
- $1,932.00 to $1,982.00 fixed fee for closing costs
Loan costs are $795/Underwriting, $195/Doc Fee, $495/Processing. $12/Flood Cert and $435-$485/Appraisal. We do not charge an origination fee, credit check, broker fees or any of that weird stuff.

Testimonials  
What a wonderful experience I will always have, with Ray Jones leading the way! The clients he represents will always have a full understanding of their financing needs. Ray goes through EVERY variable to ensure not only the terms are exactly what the clients are wanting, but also making sure they fully understand each aspect of this ever changing industry. That kind of personal touch and knowledge is hard to find in the real estate industry. Truly a gifted and caring industry leader! I always turn to Ray, as he'll know the answer!

(Google) Ray was hands down the best loan agent I have ever worked with.
I am self employed and needed special handling due to that and some other issues.
He handled it all with ease and got us a competitive rate and closed without any hassle.
We will certainly use him in the future.

(Google) If you are looking to buy a house and need a lender? Well look no further because Ray @onetrusthomeloan is the ONE!! We just bought our first home! It was a wonderful experience. Ray is knowledgeable and has been there every step of the way helping us, guiding to get the loan process done fast and smooth. He's going to be our go to guy for our family and friends from now on. Thanks Ray!!!

(YELP) I have used Ray Jones of OneRay Loans for 20 years this October. I love that he manages my loan and has called me when it was beneficial to refinance to a lower interest rate. He's honest and caring. I have referred many family and friends to him. He's the only one I trust to refer people for a Reverse Mortgage. He is fabulous with first time home buyers. I don't give recommendations unless I truly believe in the person and company. I believe in Ray.

(Yelp) Ray was fantastic getting our loan through.
We had some special items that needed processing and he got the correct forms and kept the timeline going forward.

We will use him if we ever need another home mortgage.
Thanks Ray
* All information in this profile, including licensing, has been provided by OneRay - OneTrust Home Loans. This information is not verified by ProMatcher.

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