
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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Pretty easy to go through the refinance process.
good response time to any questions
Amazing service and attention to detail
Ray and Zach we're extremely knowledgeable, kept me updated every step of the way, and closed on time. Superb service. Great work.
Ray Evans at Element Home Loans has received a review with 5 star rating from Alison J
Ray and his team are great! Never have unanswered questions and they lay things out as simple as they can.
Ray walked us through all aspects of the process. He explained everything very well and was happy to answer all our questions the whole team were friendly and professional sending us links to receive the information neder for the loan
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Great guy with a well put together team he works with you the whole way through making sure you know what’s going on and getting you a great loan rate. Would recommend to anyone
Its was a great process. he expains everything in a way you can understand and that's a huge thing.
Great experience . Ray was thorough and supportive. This was my first time buying a house by myself. He kept me at ease throughout the process!
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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.