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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Ray was very helpful with helping me to understand the home buying process step by step. he made it his personal responsibility to ensure that we felt confident with every decision we made.
I'm self employed so it presented a few challenges that normally wouldn't be a factor. Ray and his team are very knowledgeable and professional. Their follow up and communication is second to none. My mortgage is less than what I was paying...
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Ray was outstanding...It is hard to put in words and summarize our experience because he is above and beyond.Ray helped us to get our mortgage approved. Much faster and more personal process than usual big banks. We are loving our home and...
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Not only was Ray and his team thorough, prompt, and helpful, he helped me through some difficult situations with my home buying experience that I had not experienced before, even though I am a fairly experienced home buying. I would not hesitate...
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Ray was great! Very efficient and immediately answered all questions we had about the process. Made everything seamless in obtaining the loan and getting to closing. Worry free experience.
Ray is a true professional. He knows all the ins and outs of his business and he will make you will feel comforted and assured as you go through the lending process
The best home buying experience we have ever had by a long shot. I wish there were 6 stars! Communication was excellent, and the process was quick and painless. Highly recommended.
I really appreciated that Ray almost always answered his phone. If I had to leave a message he called back quickly. Good communications. Staff was easy to work with as well.
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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.