Business Details
About
Home Loan ProviderMortgage BrokerMortgage Refinance
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
Hours
Reviews
5.0
19 reviews
5 stars
19
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1 star0
- 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.
- JHJudy HinojosaAug 12, 20255.0Ray is the kindness and most honest person. He realy cares about helping people and he's great at it i give him 10 stars
- JBJosh BiolDec 15, 20245.0I had an amazing experience working with Ray for my mortgage loan. They were incredibly knowledgeable, patient, and thorough in explaining the different concepts throughout the process. I truly appreciated their guidance and expert advice, which made everything clear and easy to understand. They were always available to answer questions and went above and beyond to ensure I was comfortable every step of the way. Highly recommend!
- JAJustin AtchleyAug 16, 20235.0Ray carried himself in a very professional matter. I like the fact that he’s able to pull up numbers live in front of you to give you an idea of what your mortgage loan would look like. Very friendly guy easy-going great gentleman to work with.
- AVAndy VenturaNov 22, 20215.0If you're having any doubts or fears about the home buying process, No need to fear when you Ray Jones and his team are here! Honestly one of the best recommendations we could've gotten from a previous client of theres! Ray was on top of everything! He worked amazing with our real estate agent and got us a home in a little less than a month!!! WOW! My husband and I have never been happier with such an easy smooth process! Like I mentioned earlier if you're having any doubts or fears about the homebuying process, please go to OneTrust home! Ray and his team are quick and on top of everything! Legit got so many compliments from friends and family about how fast we got the home! With the team we had, you can best believe we got it done! Thanks Ray and OneTrust!!
Frequently Asked Questions About OneRay - Nexa Mortgage
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.