Ray Stevens
Mortgage Loan Originator · NMLS #177825
Licensed in: FL
Florida Mortgage Loan Officer | Competitive Wholesale Rates & 160+ Lenders
About Ray
RAY STEVENS | CAPE CORAL BRANCH MANAGER | FLORIDA MORTGAGE LOAN OFFICER | NMLS #177825
EXPERIENCED MORTGAGE GUIDANCE. MORE LENDING OPTIONS. A PERSONAL APPROACH.
With more than 26 years of experience in the mortgage industry, I help Florida homebuyers, homeowners, and real estate investors navigate their financing options with confidence. As Cape Coral Branch Manager and a mortgage loan officer with Barrett Financial Group, I have access to wholesale mortgage options from a network of more than 160 lenders, giving my clients the opportunity to compare financing solutions based on their individual needs and goals.
My approach is straightforward: listen first, explain your options clearly, and help you make an informed decision. I believe you deserve to understand your available loan programs, interest rates, lender fees, and estimated closing costs before deciding how to move forward.
MORTGAGE SOLUTIONS BUILT AROUND YOUR GOALS
Whether you're purchasing a home, refinancing an existing mortgage, or financing an investment property, I work to identify lending options that fit your circumstances. I assist with a wide range of financing programs, including conventional, FHA, VA, USDA, DSCR, and reverse mortgages.
Every borrower has a different financial picture. Self-employed income, investment properties, retirement assets, and other unique circumstances can make choosing the right financing more complex. My experience helps me evaluate those details, explore potential solutions, and guide clients through the mortgage process.
A RELATIONSHIP BUILT ON TRUST
My commitment to clear communication, personalized service, and helping clients understand their choices has earned me more than 226 five-star reviews on Zillow. I take pride in making the mortgage process easier to understand, answering questions honestly, and treating every client with the attention their financial goals deserve.
LET'S DISCUSS YOUR MORTGAGE OPTIONS
Whether you're ready to move forward or simply beginning to explore your possibilities, I welcome the opportunity to discuss your goals, review potential financing options, and help you understand the next steps. There's no need to commit to a loan application just to start a conversation.
Contact me today to discuss your mortgage needs and explore the options available to you.
What clients say
Ray Stevens was absolutely amazing at getting the best loan package for my closing. He went over and above to make sure that my credits were maximized and the rate down to the most advantageous in today's tough mortgage market. In the end I actually had excess credits that not only paid for all my closing costs but slightly reduced principal. He was courteous and professional and put me at ease with careful explanations when I was having doubts and raised concerns. I would highly recommend him as your next loan officer. He will work with your best interest in mind.
Anders F.
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