Ray has been commited to helping people achieve the ultimate dream of home ownership. With his passions lying in real estate investing and home improvements, Ray has been specializing in the FHA 203K loan for some time. "This is the ultimate reward. When I can help folks buy or refinance and be tied into helping them remodel their house as well, that's what is all about".

Ray is former U.S Navy , and now enjoys living in Capital Hill , spending time with friends and working on his houses.