
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 and his team provided us with excellent in depth service and understanding of our situation. They were able to meet our needs with tailored solutions and stuck with us through the end of our complicated buying process. We 100% recommend...
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Reply from Owner
June 29th, 2024 05:52 PM
Love working with great clients! Thank you!!!
Ray was extremely communicative, responsive, knowledgeable, and helpful. We had a wonderful experience with him and his team.
I am very grateful to Ray. He works hard to help us and has been assisting me with my financing for years. Thank you for being so competente and reliable. The only thing to be improved is underwriters need to review our files with some time...
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I recently had the pleasure of working with Ray at Element lending and I couldn't be more satisfied with the experience. From start to finish, Ray was professional, knowledgeable, and incredibly responsive. He took the time to understand my...
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I recently had the pleasure of working with Ray at Element lending and I couldn't be more satisfied with the experience. From start to finish, Ray was professional, knowledgeable, and incredibly responsive. He took the time to understand my...
read more
Ray was always pleasant and kind throughout the process!
We had one issue with the seller that made us stressed. Ray had our best interest at heart and it helped us get through to closing.
Ray Evans at Element Home Loans has received a review with 5 star rating from Joe W
Ray was amazing, very helpful in explaining everything, and fun to talk with!
I greatly appreciate how straight forward Ray Evans is in his advice. His experience gives him such wisdom and clarity when explaining new concepts and walking us through this entire process. 10/10 would recommend to others.
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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.