
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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Outstanding service and attention to detail.
Ray and his staff knows their business.
I would highly recommend them.
Thanks for all your help explaining an ever changing mortgage industry Ray.
Vernon Kelly
Thank you for your professionalism and kind gesture- the pizza hit the spot for everyone. Thank you!
We had a great experience!
Very friendly and was extremely helpful throughout the whole home buying process.
Ray, and his team were very helpful and attentive.
Ray Evans at Element Home Loans has received a review with 5 star rating from Phil S
Ray and his team were there with us every step of the way! They are awesome!
Everyone took the time to explain each process thoroughly and answered any questions in a professional matter.
Ray was wonderful and really took the time to help and inform me of my options and what they all mean. He was understanding of my situation and helped me get the house I wanted and needed!
I am so glad that I chose Ray Evans company Element to process my loan it was a breeze and every one was super nice, thanks for job well done, Sheron
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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.