How to Find the Ideal Mortgage for You –

Van H. Ray can help!

Shopping for a mortgage? We'd be thrilled to talk about our many mortgage solutions with you. Give us a call at (916) 768-4452. Ready to get started? Apply Here.

It can be a huge undertaking to purchase a new house or refinance your mortgage loan. Let us guide you to the loan program that's the right fit for you. We have a team of professionals to guide you through this major financial decision. For assistance in locating the appropriate program for your situation, feel free to contact us at (916) 768-4452.

You will get a huge sense of accomplishment in buying a home that can exceed any frustration you might have had at the beginning of the process. You picked the house that was the best one for you — not for someone else! Our trusted professionals can help you pick the mortgage program that best fits your life, too. Getting the ideal mortgage loan can be as gratifying as receiving the keys to your new house! We can help you get there. Call us at (916) 768-4452.


If you imagine that refinancing means drowning in paperwork, we have good news! Let us show you a headache-free process from application to closing with our "Less paperwork and more personal service" promise. We can simplify the process for you and make it anxiety-free to lower your interest rate and monthly payment. We can even help you pay down your balance faster for a similar monthly payment. Let our team members guide you to the ideal refinance loan! We are just one phone call away: (916) 768-4452.

Van H. Ray's service pledge

We will treat you with the respect due a valued customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing, or cashing out your equity. So here is our commitment to you: we will help you qualify, apply and be approved for the very best mortgage for you.

Getting started

You'll find information on this website that will tell you more about us, how we can help you, and a few simple steps to get started. Or, you can contact one of our mortgage team members at (916) 768-4452. We would love to help you with any of your home mortgage needs.

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