Ray Avanzino

My focus is to help my mortgage clients build and protect wealth by better managing their home equity and personal cash flow. Many homeowners have become frustrated and confused with the myriad choices in today's mortgage market and the lack of both ethics and financial knowledge among many mortgage providers. Today life expectancy is higher than ever before; health care costs are skyrocketing; pensions are shrinking; social security is uncertain, and corporate America has gone through one bankruptcy after another. Today's mortgage market can be a dangerous place for some consumers with real estate markets experiencing signs of a "instability"and "exotic" mortgages representing a greater market share than ever before. These signs point to the fact that homeowners and buyers need expert advice on how to manage their mortgage, cash flow and home equity. This trend toward expert mortgage advice is growing in popularity. My mission is to incorporate five essential skill sets including: · Financial market and interest rate analysis · Cash flow analysis · Debt analysis · Real estate equity management · Real estate investment analysis I look forward to talking with you about your mortgage planning needs.

I can help with Residential Refinance and Purchase loans, FHA loans, Equity Share and Reverse Mortgage options, 1031 Exchange, TIC lending, Commercial and Private money loans.

I can also provide credit lines, and all types of lending programs, including conforming, super conforming and Jumbo loans. We can also assist with improving credit scores, debt settlement and acceleration payoff programs

I have a team of professionals that can assist in the real estate, tax, estate and finance and insurance area's.

"We've now hired Ray for mortgage planning in two house purchases. The fact that we returned to Ray two years after the first transaction speaks for itself in terms of our satisfaction. Ray did a fantastic job in answering all of your questions, taking care of the details, and making himself available through the process. We were especially impressed that he actually joined us for the document signing session for the second house. Since the transaction, Ray also has been great in answering questions on our options in the current macro environment. He's always been very responsive to our emails and very helpful in providing his thoughts." Ryan Goodman

"Ray is an incredibly personable person who is always looking out for the best interest of his clients. No deal is a good deal unless all parties are satisfied. Honest, hard working, with high integrity. One of the nicest people that you will encounter who is a wealth of knowledge and a fabulous resource. Whenever I speak with Ray, I'm always learning more about the mortage industry and the local lending climate. I am pleased to have Ray as a valuable resource and valued member of our community." Ed Banayat

Ray is an awesome mortgage broker. He had done several loans for my family and myself and a few of my clients. He was so personable and stayed on top of each detail that I fully trusted his expertise. I really felt that he provided the best customer service anyone could give. II would highly recommend him." Lynnel Callagy