
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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...step by step thru the process and Rays ability to explain and clarify any of my concerns. Thank you for your patients. Andrew Dennis
Ray took the time to cover the details with me and provided material that mapped out every step of the process.
Communication and response from the person that handled the information required by the underwriter was very poor. Even though we closed a few days early, we would have been able to close at least another week earlier if this person was more...
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Ray and Sylvia made the refinancing process easy and stress free, their professionalism instills trust and confidence that they will protect your information and lead you in the right direction. I would highly recommend Element Funding for...
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Ray and Sylvia made my refinancing process so easy, they let me know exactly what was needed and kept me updated along the way. I would highly recommend Element Funding! Whether purchasing or refinancing they are amazing and their professionalism...
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Communication is key
Everyone there was easy to work with and very knowledgeable. We ended up with the right loan for our situation, with a good rate and at a reasonable cost.
Great folks - very professional.
Great
The process of securing a loan for a home purchase can be stressful, but Ray, Sylvia, and Melanie from Element Funding helped us every step of the way. In the year of COVID-19, we really appreciated that everything was set up to submit electronically...and...
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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.