
Ray Evans at Element Home Loans
Branch Manager | NMLS# 218350

Ray has years of experience in real estate and the mortgage industry. In 2007 he left real estate to join Element Home Loans, where he has been a top producer and branch manager. Ray has the experience and industry knowledge to guide client... Show More
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Ray, you are amazing. The level of patience and kindness you showed me during the selling and buying process was outstanding. Thank you for taking the time to explain things and help me understand information that was over my head and outside...
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Ray Evans and Team did an amazing job with a difficult sale... the seller did not respond to requests in time and we were down to the last minute of them getting the items we needed to close for our Buyer. Amazingly, they had everything prepped...
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Ray Evans and Team did an amazing job with a difficult sale... the seller did not respond to requests in time and we were down to the last minute of them getting the items we needed to close for our Buyer. Amazingly, they had everything prepped...
read more
Ray Evans at Element Home Loans has received a review with 5 star rating from Elizabeth S
The process was explained every step of the way. Any questions we had were answered in the way that gave us the opportunity to choose the best option for us. I highly recommend Ray and him team!
This is our second loan through Element. As with the first we had a great experience! Ray's team was helpful and professional And they were able to navigate our unique circumstance to provide us with great Service from start to finish.
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Ray is professional and gets the job done on time. Not as easy as it sounds, but he always performs!
Ray is the best mortgage broker out there! Very detailed very confident and very educational.
did a phenomenal job at educating my wife and I as we were first time homebuyers. He went through everything in detail and made sure that both my wife and I understood it and we're OK with it. Everything went very smoothly throughout the entire...
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Working with Ray and his team was exceptional. The level and speed of communication were first class. They answered all questions promptly and were always available with advice and guidance. They explained in layman terms each step of the process...
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10 of 403
About
Ray has years of experience in real estate and the mortgage industry. In 2007 he left real estate to join Element Home Loans, where he has been a top producer and branch manager. Ray has the experience and industry knowledge to guide clients in securing home financing that fits their unique needs.
Outside the office, Ray enjoys RV’ing, water skiing, college football, golfing, and being with family and friends. Ray has been married for 36 years to his wife Laurie, and they have one son and a grandson.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Construction Loan
Fixed Rate Mortgages
Adjustable Rate Mortgages
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Positions
- Element Home Loans - Loan OfficerMay 1st, 2007 - Current
Year Started
2007
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 218350
- AL 57498, FL LO52156, GA 28058
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Hobbies
- Guitar, Pickelball, camping, boating
Disclaimer
Element Home Loans is a Division of NFM, Inc. dba NFM Lending, NFM NMLS #2893. NFM is an Equal Housing Lender. For NFM, Inc’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc is not affiliated with, or an agent or division of, a governmental agency or a depository institution. GA license # 17414. Copyright © 2026.