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Michael Ray

Mortgage Area Manager
NMLS# 250048
michael-ray

Michael Ray

Mortgage Area Manager
NMLS# 250048

About Me

Join the hundreds of people who have entered my “Lender for Life” program, where I use my industry experience and knowledge to put you in the right product to meet all your mortgage needs. I am committed to providing stellar customer service by doing business with honesty, integrity and always being available to answer any of your questions. My in-house operations staff insures a seamless transaction with some of the fastest turn-times in the industry. The service does not stop upon closing, as part of my program is to continue to provide you with information to the ever-changing home loan environment for future purchases, refinances, or options to use your home as an investment tool. This is my commitment to you, my customer, for allowing me the opportunity to earn your business on one of your biggest investments, your home!

Contact me

(254) 723-1197
Fax
812 Lake Air Dr.
  Suite B
   Waco, TX 76710

About Me

Join the hundreds of people who have entered my “Lender for Life” program, where I use my industry experience and knowledge to put you in the right product to meet all your mortgage needs. I am committed to providing stellar customer service by doing business with honesty, integrity and always being available to answer any of your questions. My in-house operations staff insures a seamless transaction with some of the fastest turn-times in the industry. The service does not stop upon closing, as part of my program is to continue to provide you with information to the ever-changing home loan environment for future purchases, refinances, or options to use your home as an investment tool. This is my commitment to you, my customer, for allowing me the opportunity to earn your business on one of your biggest investments, your home!

Next Steps

Get prepared for the info we'll neeed to complete your application.

Pre-qualification

  • 30 days of pay stubs
  • Two years of federal tax returns
  • Checking, savings and investment account statements
  • Two years of W2s

Application

  • A Social Security card
  • A valid driver's license or government-issued photo ID
  • Address(es) from the past two years
  • Employment history from the past two years
  • Pay stubs from your current job
  • W-2 forms for the past two years and K-1 forms (if applicable)
  • Tax returns from the past two years
  • Profit & loss statement and balance sheet (if self-employed)
  • Bank statements from the past two months
  • Investment account statements from the past two months
  • Retirement account statements from the past two months
  • Make and model of vehicles you own and their resale value
  • Credit card account information
  • Personal loan account information
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