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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They worked with me and was very clear on options and direction. I'm now a new homeowner with the help of Element Homes
Ray is great to work with. He is extremely helpful, always easy to reach, and makes sure to explain the loan carefully. He answers any and all questions you may have. He also learns about new and innovative loans that others may not know about....
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Ray was exceptional. Kept us informed, encouraged and explained each step as we progressed. He is super knowledgeable. We will definitely recommend him in the future.
The communication throughout the process was incredible. Ray’s professionalism is unparalleled.
some delays and confusion with paperwork handed in more then once. Delays on updating us. Should probably find a different appraiser as they took way to long to get the report back and cost us to wait 3 weeks on closing.
Ray Evans was real helpful and helping me getting all the paper work that I needed. He also treated me and my family just like we was part of his family .
Great customer service and positive experience
My loan originator Ray Evans is knowledgeable, patient and takes the time to explain each step of the process in detail. In addition, he provides lots of literature and always follows up with us. It has been such a pleasure to work with a true...
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Really enjoyed the small business and personal feel of the whole process. Very knowledgeable and friendly staff.
Ray and Team were professional, knowledgeable, educational, and efficient! Highly recommend, it was a pleasure working with them!
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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
Gallery
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.