
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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Responsiveness
I’m a first time home buyer and was super stressed about beginning the whole process. Ray, Melanie, and Sylvia were there to answer any questions whenever I had any!
Element funding made our dream come true.Our situation was a unique one. We had a bankruptcy and was told by different lenders that it would be too hard to get a mortgage, that i had to wait longer but, by the grace of GOD we found Ray and...
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Good communication and professionalism, personality of Sylvia and Melonie.
Very professional and always reached out to make sure we understood the process and were available for any questions or concerns.,when we sat at the closing table it was just sign and done.Thank you Ray and thanks to your team for getting us...
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Drew was the best. He made it happen for me. I am moving to Ga to be close to my kids. Been away for 25 years and so excited to come back. He was Professional and with good ethics. If you want a great loan officer call him fir your loan. Thanks...
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Ray and team made the entire process easy and was available with any questions I had. I appreciate the time he and his team took to ensure my experience was enjoyable.
Ray and his all star team have been incredible to work with through and through. Ray was consistently professional and knowledgable. He took time to explain everything in detail and always went the extra mile. We always felt taken care of as...
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Ray and everyone at his office were amazing! They took the time to explain the process every step of the way, and now we have a wonderful home. Thank you!!!
Ray and all his staff were so informative including updating us every Tuesday with the current process of the loan. Such friendly staff members to work with. I had ZERO stress knowing Element funding was taking care of everything!!!
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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.