Working with Ray Patterson and his team has been amazing! From the beginning of the process Ray walked me through the steps needed to qualify for my home loan, made sure my information and documents were in order, and always had my best interest in the home buying process. Never once did I feel I was being pressured to qualify for something that was unattainable for my credit and budget, and when we did find our home the approval and closing processes were smooth and straightforward. I would recommend Ray and his team if you are purchasing your first home, looking to refinance or simply need advice in the mortgage process. Ray is the best in the business!