
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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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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Ray and his team were amazing! Excellent communications and always available for questions. Ray and Zach did an amazing job of explaining, helping and guiding us through the complicated process of getting a mortgage. It's been 23yrs since we...
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Ray is an excellent communicator and an extremly polite professional person to work with. He was always available for questions and always explained the complicated proceess so that we felt comfortbale signing documents. Excellent Job Ray!
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It was great and would do it again
The process was very easy thanks ro Ray and his team. They explained everything in a way that was easy to understand and was there fir us every step of the way and was just a phone call a way if we needed anything.
The team was very responsive, kept me updated throughout the process and we closed on time.
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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.