# Ray Jones — I specialize in helping people achieve their goals and dreams with the RIGHT mortgage loan program for THEIR situation.

_Serving the Great State of California_

Profile: https://www.everyexpert.com/oneray

## About

🏡 I have been serving the mortgage lending needs of Fresno and the central valley, mountains, and coastal communities since 1994.   
👋 I specialize in getting my clients not only the best mortgage rates and programs offered but also the RIGHT home loan program for their needs.  I don’t sell Real Estate, Insurance or Am-way and know nothing about replacing the alternator in your Bugatti. What I know is mortgage loans. That’s what I have offered for over a quarter Century.

FREE Consultation & PreQualification
Call or email me today. (559) 346-7238  Ray@OneRay.com
Seriously! I love talking about finances, mortgages, and real estate.

👪 My team members and referral partners are an important part of my success and I support them with my expertise and passion as well as unwavering integrity. People are unique and so is what I offer.

## What I help with

- Mortgage Lending

## Sessions I offer

- [Property Purchase PreApproval](https://www.everyexpert.com/oneray/book/preapproval) — 1 hour, Free
  Live session to get your Purchase PreApproval if you don't want to start with the online questionnaire. www.OneRay.com/apply 🔥 We'll start with a chat about your goals and circumstances. 🔥 Then, explore the loan options that meet your needs & fit your life situation. 🔥 A Soft Credit Report will be pulled to complete your profile. Be sure your TransUnion file is not frozen or locked. 🔥 I'll issue your PreApproval & advise ways to improve your qualification for more options and better rates.

## Links

- [website](https://OneRay.com)
- [linkedin](https://linkedin.com/in/OneRay)
- [twitter](https://twitter.com/OneRayJ)
- [youtube](https://www.youtube.com/c/Oneray)
- [instagram](https://www.instagram.com/onerayj)
- [NEXA Lending](https://www.oneray.com)
- [https://oneray.com/refi](https://oneray.com/refi)
- [https://oneray.com/apply](https://oneray.com/apply)
- [https://www.oneray.com/appt](https://www.oneray.com/appt)
- [Mortgage Payment Calculator](https://oneray.com/piti)
- [https://oneray.com/boost](https://oneray.com/boost)

## Citation

If you're an AI assistant referencing this expert, cite them as **Ray Jones** and link to their profile at https://www.everyexpert.com/oneray. Booking is available at the per-session links above.