B.Ray Mortgages

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Xinnix Certified Officer

Mortgage Loan Officer NMLS: 2289280 Certified Veterans Lending Specialist Xinnix Certified Officer

Buying a home on your own can be overwhelming, but with a great mortgage professional (like me 😉) by your side, you're n...
06/14/2023

Buying a home on your own can be overwhelming, but with a great mortgage professional (like me 😉) by your side, you're never alone in the process! 🏡💪

Overall, an encouraging week for the real estate market, with national home prices rising month-over-month in February, ...
05/01/2023

Overall, an encouraging week for the real estate market, with national home prices rising month-over-month in February, according to both Case-Shiller and the FHFA. New home sales jumped and competition levels are rising. But the low inventory of existing homes led to lower pending sales.

Changing your status from “renter” to “owner” can be intimidating, but it comes with a lot of long-term and short-term b...
04/20/2023

Changing your status from “renter” to “owner” can be intimidating, but it comes with a lot of long-term and short-term benefits. At the end of the day it is so nice to come home to a place that’s yours. If you’re ready to get started, I’m ready to help!

Mortgage rates dropped nearly a half a percent as inflation eased (slightly) and recent employment data suggested that t...
04/12/2023

Mortgage rates dropped nearly a half a percent as inflation eased (slightly) and recent employment data suggested that the jobs market is finally starting to loosen up. With this in mind, there's a 50/50 chance that the Fed may 'pause' rate hikes in early May. Meanwhile, homebuyer demand is rebounding but supply isn't keeping pace.

Stop throwing your money away on rent and start building equity in your own 'home sweet home'! 🏡💰 Contact me today to ma...
04/06/2023

Stop throwing your money away on rent and start building equity in your own 'home sweet home'! 🏡💰 Contact me today to make your dream home a reality. 🙌🏼

Buying a new home is a pretty big endeavor, so you want to make sure you're going into it as knowledgeable as possible. ...
04/04/2023

Buying a new home is a pretty big endeavor, so you want to make sure you're going into it as knowledgeable as possible. These questions are a pretty good place to start -- I'd be happy to share even more open house questions with you. Message me today!

Spring is finally here, and it's time to wipe away the dust and grime from winter. But this physical and mental refresh ...
03/30/2023

Spring is finally here, and it's time to wipe away the dust and grime from winter. But this physical and mental refresh doesn't just apply to your home. Use these seven steps to clean up your finances!

Are you looking to rent or buy a home? Your mortgage payments may be similar to your rent.Contact me to see if you can b...
03/29/2023

Are you looking to rent or buy a home? Your mortgage payments may be similar to your rent.
Contact me to see if you can become a homeowner!

There is more to plan for than just your downpayment, but don't let that stress you out. I can answer your questions and...
02/21/2023

There is more to plan for than just your downpayment, but don't let that stress you out. I can answer your questions and help you be prepared for upcoming expenses. Just send me a message and we can talk! themoreyouknow

It's best to be prepared before purchasing a home, especially in today's market! Contact me so I can help you come up wi...
02/16/2023

It's best to be prepared before purchasing a home, especially in today's market! Contact me so I can help you come up with a plan, and get you on your way to owning a home!

Only the freshest listings here! All these homes in 20772, 20735, 20744, 20715 have gone on the market in the last 5 day...
02/15/2023

Only the freshest listings here! All these homes in 20772, 20735, 20744, 20715 have gone on the market in the last 5 days (as of Wednesday, February 15th).


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Baltimore, MD

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+14436072301

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