
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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When I first apply for a home mortgage with Ray he said my debt ratio was high and recommended I pay off my car, Credit cards and sell my house before I purchase a new home. Had an offer on my home and it turn out that Elemet Funding did not...
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You and your staff were very helpful with the purchase of our new home. Melanie and Sylvia were so nice and both made me proud to have someone like them helping me with everything.
Mr. Evans was always very pleasant, knowledgeable, patient, and explained in detail all our financial questions. We put our trust in him and he came through for us! Thank you for making our house purchase go smoothly.
Everyone was very helpful, kept me well informed on every step and process. They all help make the experience so smooth
The will and energy of the team..
Always answered the phone whenever I called.
I originally financed my house with Ray at Element Funding 8 years ago and needed to refinance. Remembering how nice he was to work with I returned. Ray, Sylvia and Melanie were awesome to work with. They were super friendly and understanding...
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Being a new homebuyer Ray and his team explained everything to me in a way that I could understand, they were very patient with me and all the questions I had. Ray and his team made this experience stress free and I the constant contact made...
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Everyone was really nice and ready to answer any questions I had.
Friendly staff and great customer service. My first experience buying a home and it was well worth it!!
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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.