Guild Mortgage - Ray Ochoa
Sales Manager | NMLS# 214114
Guild Mortgage is one of the top independent mortgage lenders in the nation*, with knowledgeable residential loan officers in your community. Guild offers deep expertise and personalized service for new home purchases and refinancing to eve... Show More
Location & Business Hours
Business Hours
Wed
8 AM to 5 PM(Open now)
Thu
8 AM to 5 PM
Fri
8 AM to 5 PM
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Reviews from Web
Ray was awesome! Answered every question we had and didn't make us feel bad about asking anything. First time home buyers and we had a ton of questions. Ray made it simple and easy!
Reply from Guild Mortgage - Ray Ochoa
September 7th, 2026 01:32 AM
I'm grateful for your kind words, Allison. I'm glad I could help make the process simple and easy for you as first-time home buyers. If you have any more questions, feel free to reach out!
Ray was great with my first time homebuyers. Like a lot of transactions this one had some extra steps to get through underwriting. Everyone also cooperated to get it done a day early because I had a death in my family. I could have had someone...
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Reply from Guild Mortgage - Ray Ochoa
September 1st, 2026 07:32 PM
Lisa, I truly appreciate your kind words and am glad to hear that everything went smoothly despite the extra steps involved. It's important to me to support my clients through every part of the process, especially during challenging times....
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Guild Mortgage - Ray Ochoa has received a review with 5 star rating from Maria W
Reply from Owner
September 3rd, 2026 06:23 PM
Thank you for the great rating, Maria. I'm glad to know you had a positive experience with Guild Mortgage.
Ray has excellent costumer service skill. this is our second loan with him and our experience has been always pleasan. he's available at any time and leaves no unanswered question. we will definitely work with him again if were in need of another...
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Reply from Guild Mortgage - Ray Ochoa
April 12th, 2026 04:02 PM
I appreciate your kind review, Maria. It's wonderful to know that your experience with my service has been consistently positive. Being available to answer all of your questions is important to me, and I'm pleased to hear it made a difference...
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Ray has always been an excellent person to work with. This is my second loan with him and I have only great things to say about him. Great peoples skills and outstanding work ethic. I will definitely recommend Ray with All my family and friend....
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Reply from Guild Mortgage - Ray Ochoa
April 10th, 2026 04:14 PM
I'm grateful for your kind words, Jesus. It's wonderful to know that you've had a positive experience working with me on both of your loans. Your recommendations to family and friends mean a lot. If there's anything more I can assist you with,...
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With Ray Ocha as my loan officer, I was able to get through the process without worry. Ray always explained questions as they came up, and in a way that was easy for me to understand.
Reply from Owner
March 12th, 2026 08:10 AM
Thank you, Art! Please don't hesitate to call me if you have any questions or concerns. It has been my pleasure assisting you & Paulette.
Ray is a great communicator. He answered all my questions and walked me through the parts of the process that were difficult for me. I will always recommend Ray to my friends.
Reply from Guild Mortgage - Ray Ochoa
March 3rd, 2026 09:33 PM
Thank you for sharing your experience, Art. I'm glad I could assist you with your questions and guide you through the challenging aspects of the process. Your willingness to recommend me to friends is truly appreciated. If there's anything...
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Guild Mortgage - Ray Ochoa has received a review with 5 star rating from Natanael R
Reply from Owner
March 3rd, 2026 09:34 PM
I appreciate the perfect rating, Natanael. If you ever have any questions or need assistance, feel free to get in touch.
Ray was very helpful and straightforward with the whole process.
Reply from Guild Mortgage - Ray Ochoa
November 21st, 2025 09:39 PM
I'm pleased to know that you found the process straightforward and helpful, Natanael. It’s my goal to make things as clear and hassle-free as possible for my clients. If there's anything else you need or any questions arise, don't hesitate...
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If you want a loan officer who is responsive, knowledgeable, and genuinely invested in helping you, this is the one. Fantastic experience from beginning to end. ray we are so grateful for your hard work and attentiveness with every question...
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Reply from Guild Mortgage - Ray Ochoa
November 18th, 2025 05:22 PM
Emily, I'm grateful for your kind words and detailed feedback. It means a lot to know that you felt supported and well-informed throughout the mortgage process. If you have any further questions or need assistance down the road, please don't...
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About
Guild Mortgage is one of the top independent mortgage lenders in the nation*, with knowledgeable residential loan officers in your community. Guild offers deep expertise and personalized service for new home purchases and refinancing to every kind of borrower. Whether you are a first-time homebuyer, upgrading, downsizing, or investing in residential real estate, we have the loan to fit your life.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Specialities
First Time Homebuyers
VA Veteran Loans
FHA Loans
Conventional Loans
Reverse Mortgage Loans
Home Equity Lines of Credit
Renovation Loans
Construction Loans
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Positions
- Guild Mortgage Company LLC - Producing Sales Manger-Sr. Loan OfficerMar 4th, 2010 - Current
Memberships
- Yuma Chamber of Commerce
- Yuma Association of Realtors
- BBB- Better Business Bureau
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Addresses and Serving Areas
Primary Serving Area
Year Started
1995
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 214114
Hobbies
- Golf
- Pickle Ball
- Gardening
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Disclaimer
I am authorized to do business in the states of Arizona and Tennessee. AZ BK#0018883; AZ BKBR# BK-BR-01; AZ LO Lic.# 0915882; NMLS ID: 214114; Guild Mortgage Company; Equal Housing Opportunity; Company NMLS ID 3274. www.nmlsconsumeraccess.org/.