Brand Certified
OneRay | NEXA Lending
5.0(22 reviews)
Certified by OneRay | NEXA Lending • Feb 22, 2026
Business Details
6016 N 10th St.
Suite "B", Fresno, CA
93710, United States
Certified by OneRay | NEXA Lending • Feb 22, 2026
(559) 346-7238
Certified by OneRay | NEXA Lending • Feb 22, 2026
https://oneray.com
Certified by OneRay | NEXA Lending • Feb 22, 2026
About
Certified by OneRay | NEXA Lending • Feb 22, 2026
Home Loan ProviderMortgage BrokerMortgage RefinanceMortgage LenderEquity LoansReverse Mortgages
Free professional guidance from your local Mortgage Broker since 1994. We offer a full line of mortgage loan programs for the purchase and refinance of residential real estate at the best possible interest rates for your specific situation. We are driven by the highest standards of integrity, professionalism, communication, and knowledgeable service. Let me be your go to answer guy for everything Real Estate and Mortgage Loans.
FREE PRE-APPROVAL and MORTGAGE PLANNING- OneRay.com/apply
Local office hours are posted for the branch office near CSUF in Fresno, CA. I am often available by appointment outside regular office hours via Telephone, Zoom, Google Meet, WhatsApp, and FaceBook Messenger. Schedule your time here: OneRay.com/appt
Some of our residential property specialties include:
🔥 FHA Solar + DPA/DAP Program
🔥 Cash-Out refinance HELOC, HELOAN, and Reverse 2nd mortgage loans.
🔥 Reverse Mortgage refinance and purchase Loans
🔥 DSCR, No Income, No Doc, 1099, Bank Statement, VOE, and all the Non-QM programs. (Min 15% downpayment)
🔥 Construction and Rehab financing.
🔥 Investor purchase, rehab, and fix-n-flip programs
🔥 40 year and interest only options.
🔥 Free in-person credit boost session.
🔥 Free, No Hassle, No Obligation, PreApproval and Mortgage Planning.
🔥 Free Consumer Resources. OneRay.com/fresno_resources.html
🔥 Free True Payment Calculator. OneRay.com/piti
Location
Certified by OneRay | NEXA Lending • Feb 22, 2026
Hours
Certified by OneRay | NEXA Lending • Feb 22, 2026
Reviews
5.0
22 reviews
5 stars
22
4 stars0
3 stars0
2 stars0
1 star0
- DDDemetri DupontJan 26, 20265.0Working with this mortgage lender was an outstanding experience. They were attentive, honest, and extremely thorough, making sure I understood my options and felt comfortable with every decision along the way. The process was efficient, well-organized, and handled with a level of care that’s hard to find. Their expertise and commitment to customer service really stood out, and I’m grateful for how seamless they made the entire mortgage process. I would confidently recommend them to anyone looking for a lender who truly puts their clients first.
- RSRya SanchezJan 26, 20265.0I had an excellent experience working with this mortgage lender from start to finish. They were professional, responsive, and incredibly knowledgeable, taking the time to explain every step of the process and making what can be a stressful experience feel smooth and straightforward. Communication was always clear and timely, and they went above and beyond to make sure I was getting the best possible options for my situation. I truly felt supported and confident throughout the entire process, and I wouldn’t hesitate to recommend them to anyone looking for a reliable and trustworthy mortgage lender.
- ASAnton SkosyrevJan 26, 20265.0Ray Jones is the best. Thank you for helping us to get our new home. You've been helping more than anyone else in that process, going beyond the expectations, got us really good deal. If someone needs help with buying the home, that is your guy!
- JHJeff HillOct 17, 20255.0Ray was great. From start to finish was always available with himself or his team. Even when an issue happened as we purchased part of the neighbors land which caused delays. He was there trying to work through it with lender. In the end county got line fixed and updated and the loan got closed. Would recommend that anyone needing a loan look here.
- SWSherri WatkinsMar 30, 20215.0This is the second loan that Ray at OneTrust Home Loans have completed for me in the past six months. He and his customer support person, Patti were awesome to work with. I never had to question where we were in the process and everything was completed without any in person contact other than signing the loan docs with the notary. Ray and Patti went above and beyond in helping me to resolve a previous issue that impacted the closing of my loan. I highly recommend Ray Jones at One Trust Home Loans!
Frequently Asked Questions About OneRay | NEXA Lending
What types of mortgage loan programs does OneRay - Nexa Mortgage offer?
OneRay offers a full range of mortgage loan programs including Fannie Mae Conventional, FHA - HUD, VA - DVA, USDA Rural Development, Non-QM options, Cal-HFA programs, and more for purchasing and refinancing residential real estate.
How can I get a free pre-approval or mortgage planning consultation?
You can get a free, no-obligation pre-approval and mortgage planning by applying online at OneRay.com/apply or scheduling an appointment via OneRay.com/appt.
What are the office hours for OneRay - Nexa Mortgage?
The office is open Monday through Thursday from 8:00 AM to 6:00 PM and Friday from 8:00 AM to 2:00 PM. It is closed on Saturdays, Sundays, and certain holidays.
Does OneRay - Nexa Mortgage offer services for non-traditional income documentation?
Yes, they offer mortgage programs for DSCR, No Income, No Doc, 1099, Bank Statement, VOE, and all Non-QM programs, with a minimum 15% downpayment.
Can I receive credit repair advice at OneRay - Nexa Mortgage?
Yes, credit repair advice is one of the services offered by OneRay - Nexa Mortgage to help improve your mortgage eligibility.
What communication methods are available for appointments outside regular office hours?
Appointments outside regular office hours can be scheduled via Telephone, Zoom, Google Meet, WhatsApp, or Facebook Messenger.
What nearby real estate agents can assist me alongside OneRay - Nexa Mortgage?
Nearby real estate agents include Linda Peltz Realtor - eXp Realty and Mary Walker Realtor, which can provide complementary real estate services when working with OneRay.
Are there nearby healthcare providers that customers might visit before or after seeing OneRay?
Yes, nearby healthcare providers include McGuire Physical Therapy, Fresno Family Chiropractic, Curry Chiropractic Offices, and The ART of Chiropractic, convenient options if you are in the area.
What local professional services are near OneRay - Nexa Mortgage for additional support?
Nearby professional services include Matthews. Wallace and Co (accounting), Alliance Protection & Investigation (security), and Live Scan Fresno (notary and legal services), which might be helpful to customers.
How can I contact OneRay - Nexa Mortgage for more information?
You can contact them by phone at +1 559-346-7238 or via email at Ray@OneRay.com.
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