
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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Good communication. Smooth transaction.
Ray and his team did a wonderful job helping us getting our new house! Communication was spot on, always friendly and supportive, every question was answered very quickly. The complete process was smooth and hassel free! All in all a great...
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Sir Ray & his staff was patient towards us. He has given us good guidance choosing the terms right for us that would benefit us. We appreciate his taking time to talk to us making us understand better the things that can confuse us at times....
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Ray explains the process well and I feel I can trust him to find us the best rate.
The Element Funding team made it so easy to get a loan for our dream house. It was a seamless process.
Everyone was very friendly but it took way to long, (more than 4 months) to get to closing on our refinance. We started the process in November 2020. Our credit was checked on November 16 and again on December 21. We did not close until March...
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Ray treated me like part of the family, whatever I didn't understand he explained it to me so I could make the right decision. Thanks Ray for the help and answers to all the questions that I had.
Ray was so wonderful during our entire buying process. He took time out of his day to answer our questions and to make sure we were comfortable. We so appreciate the one of a kind service Ray offers, and would recommend him to anyone and everyone!...
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I just refinance my mortgage with Element Funding with Ray Evans and his Staff. I got a great interest rate and the transaction went smoothly for me. This Mortgage lender is world class I will recommend to do Business with them again⭐️⭐️⭐️⭐️⭐️...
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Ray and his team were quick to respond to questions we had. He was available any time. He would call to check in and see if we needed anything and make sure all of our questions were answered even if it was 6pm or what would be considered “normal”...
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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
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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.