Thomas Ray
Branch Manager
Thank you for visiting my page! Here at Highlands, we work every day to deliver the best customer service and quality loan experience for our clients. Contact me directly using the info above, or please feel free to review and use our resou... Show More
Location & Business Hours
Business Hours
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM
Fri
8:30 AM to 5 PM
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Reviews from Web
Thomas responded to any questions or concerns I had almost immediately. He always made certain we were updated on anything that needed our attention. And besides him being efficient and outstanding at his job, he has a warm and friendly demeanor...
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Reply from Thomas Ray
June 16th, 2026 07:56 PM
Thank you for those kind words. I feel blessed to have met you both and South Carolina is lucky to be getting such good people. Please come visit once you get settled.
Quick, courteous and accurate follow-up. Very knowledgeable of their product line.
Reply from Thomas Ray
June 16th, 2026 07:56 PM
Thank you for the kind words. It was such a pleasure meeting and working for you and Mary Ann.
Thomas and team were knowledgeable and able to quickly respond to all of our questions. We felt like we were the only client; that's the level of personal attention we received. Amazing service! Will work with the team if needed in the future...
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Reply from Thomas Ray
June 16th, 2026 07:56 PM
Thank you for this review. I truly enjoyed working for you and Erik on this mortgage and look forward to working for you in the future. Clients like you guys make it much easier. I hope you love your new home and have many happy memories there....
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There is no lender in this market that is quite like Thomas Ray. He cares about this clients and the realtors he works with and is constantly working to find the best financial options for the client. He is professional, proactive and the hardest...
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Reply from Thomas Ray
June 16th, 2026 07:56 PM
Thank you Amy. I am grateful that I get to work with you as well. I value your outstanding work ethic, your professionalism, and your genuine desire to always do right by your clients.
Thomas and his team are great to work with, they are always on top of the items that need attention and never seem to busy to answer a question or help. I would truly recommend them for your mortgage lender.
Reply from Thomas Ray
June 16th, 2026 07:56 PM
Thank you for the kind words. I feel the same about working with you. You are an outstanding Realtor and are always on top of the details, especially when it comes to protecting your clients.
I had a great time working with Thomas and Holden. I had a decently difficult mortgage to close, but they got it done ! I had multiple lenders say they couldn’t push it forward but they did and they also accomplished with around 15-20 days....
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Reply from Thomas Ray
June 16th, 2026 07:56 PM
Luke it was a pleasure helping you. It feels wonderful knowing that you will have a home for you, your wife, and that new baby on the way. I hope it brings many blessings!
Thomas was very informative of the process and was always quick with an answer when we had questions. Kept us up to date through each step.
Reply from Thomas Ray
June 16th, 2026 07:56 PM
Thank you Scott. You were a pleasure to work for. You were well prepared and provided everything that was needed to make this a smooth process.
Thomas Ray has received a review with 5 star rating from Terry D
Reply from Thomas Ray
June 16th, 2026 07:56 PM
Thank you Terry. I was honored to work for you in getting your VA loan closed. I hope you have many happy memories in your new home.
Sincerely,
Thomas
Very Knowledgeable, when had questions and concerns they took the time to listen and discuss the best course of action. Never felt like they were trying to force you down a road you were not comfortable with. His team was quick to let you know...
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Reply from Thomas Ray
June 16th, 2026 07:56 PM
We appreciate you and your service. I personally was honored to be part of your homebuying team!
Thomas Ray
Thomas and Holden worked so hard to insure we got the best rate for our home. We are so grateful for the support we got from them and the time frame was phenomenal!
Reply from Thomas Ray
June 16th, 2026 07:56 PM
It was such a pleasure working for you and Kara. Helping families like you guys is what makes this job rewarding. I hope you love your new home and that it brings many blessings!
Thomas Ray
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About
Thank you for visiting my page! Here at Highlands, we work every day to deliver the best customer service and quality loan experience for our clients. Contact me directly using the info above, or please feel free to review and use our resources below. I look forward to working with you!
Products & Services
Mortgage Broker
FHA Home Loan
VA Home Loan
Mortgage Loan Application Assistance
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 171228
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