
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 kept us abreast throughout every step of the loan process.
Ray Evans took his time to go over my credit report and help me correct what needed to be corrected. He was straight forward and told me what I had to do, if I really wanted to get into the house that I wanted. He was always able to meet with...
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Ray and his team (Sylvia & Melanie) were the epitome of professionalism. Ray is knowledgable, patient, thorough and anticipatory. This was particularly helpful for me as a first time homeowner. His emails and occasional phone calls to just...
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This was our first time using Ray & his staff for a refinance which with previous companies was unpleasant at best but Ray & Sylvia were great to work with making this time around very pleasant.
Excellent communication
A better understanding of what would be required to get the loan or the loan process itself would have been helpful. It seemed we had to submit the same documents multiple times. Ray himself was good, it was our loan officer that my complaints...
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Ray and his staff were very courteous helpful and always available to answer any questions we had.Thank all of you!!!🤩🤩🤩🤩🤩
I highly recommend Ray Evans and his team for home purchases. They made shopping for a home an extremely pleasant transition.
The process was great from beginning to end. Everyone was extremely helpful!
Best experience I’ve ever had
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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.