OneRay - NEXA Mortgage - Fresno, CA

08/28/2026

Who saw the eclipse last night? Did anyone else get photos? Please share!

07/31/2026

Happy Birthday George!

Here comes Generation Alpha!

07/14/2026

🚨 SCAM ALERT: Keep Yourself (and Your Loved Ones) Safe! 🚨

Scammers are getting smarter, especially with new technology like AI. They often target older adults because they count on our kindness, trust, or worry for family. But you can beat them at their own game. Here are the 3 most common scams happening right now and how to spot them.

1. The "Grandchild in Trouble" Scam (Now with AI)

How it works: You get a frantic call from a grandchild or relative saying they’re in jail, got in an accident, or need money immediately. Scammers can now use AI to clone voices, making it sound exactly like your loved one. The Red Flag: They beg you to keep it a secret and ask you to send money via wire transfer, gift cards, or mail.

2. The "Government or Bank" Impersonator.

How it works: Someone calls or texts claiming to be from Medicare, the IRS, or your bank. They might say your account is locked, your benefits are suspended, or you owe money. The Red Flag: They demand immediate action or ask you to "verify" your Social Security number, passwords, or banking PINs. No real agency or bank will ever ask for this over an unsolicited call or text.

3. The "Urgent Tech Support" Pop-Up.

How it works: A scary-looking message pops up on your computer screen saying you have a virus and your computer is locked. It gives you a "support" number to call. The Red Flag: The person on the phone asks for remote access to your computer to "fix" it and demands payment. 💡

Your 3 Golden Rules to Stay Safe:

Rule #1: Slow down. Scammers rely on panic and urgency. Take a deep breath. If someone is rushing you, it’s almost certainly a scam.

Rule #2: Hang up and call back. Never trust caller ID, as it can be easily faked. Hang up, find the actual phone number of your bank, Medicare, or your family member, and call them directly.

Rule #3: Create a "Family Safe Word." Pick a secret word with your kids or grandkids. If someone calls claiming to be them in an emergency, ask for the safe word. If they don't know it, hang up.

Let's look out for one another! Share this with your parents, grandparents, and neighbors so we can all stay one step ahead. 🛡️

07/07/2026

Quick question: Does thinking about mortgage paperwork make you want to close your laptop? 🤯

You aren't alone. Buying or refinancing a home is a huge deal, and you deserve more than a generic online calculator. You deserve a partner who actually listens.

That's where Ray Jones comes in. Whether you're a first-time buyer or looking to make your next big move, Ray translates the complex world of mortgages into an easy-to-follow game plan. He brings the knowledge, the advocacy, and the friendliness you need to make it across the finish line with confidence.

Before we dive into the math, we want to hear about your vision! What is the one thing you’re looking for in your dream home this year?

Tell us in the comments below! 👇

Schedule your free, no obligation appointment today. Go to www.oneray.com/appt and let Ray help make the process less daunting.

Ray Jones - NEXA Mortgage
559-346-7238

NMLS #212593

06/29/2026

🎆 Fireworks are exciting for us... but they can be terrifying for our pets. 🐶🐱

As we celebrate the 4th of July with family and friends, let's not forget our four-legged family members. Loud booms, flashing lights, and unfamiliar smells can cause even the calmest pets to panic.

Here are a few simple ways to help keep them safe and comfortable:
❤️ Keep pets indoors before the fireworks begin.
🎵 Turn on a TV, fan, or calming music to help mask the noise.
🦴 Give them a favorite toy, blanket, or treat to help them feel secure.
🚪 Make sure doors, gates, and fences are secure—frightened pets may try to escape.
🏷️ Double-check that their ID tags and microchip information are up to date, just in case.

A little preparation can make a big difference and help ensure everyone has a safe, happy holiday.

🐾 Do you have a pet that gets nervous during fireworks? Share your best tips in the comments—they might help another pet owner this weekend!

Wishing everyone a fun, safe, and pet-friendly Independence Day!

06/12/2026

🛑 STOP SCROLLING! 🛑

Summer is heating up, and if you’re even thinking about buying or selling a home, you need to be ready. 🏡

The smartest buyers don’t just look; they get PRE-QUALIFIED FIRST. This essential step makes sure you’re ready to move when you find the right home, positioning you as a serious buyer.

In just 5-10 minutes, Ray Jones and the One Ray team at NEXA Lending can get you pre-qualified, saving you weeks of frustration down the line. Don’t waste precious time!

Get answers and be ready for your perfect home this summer.

👉 Call or Text Ray: (559) 346-7238👉 Book an appointment directly: www.OneRay.com/appt



Ray Jones - NEXA Lending NMLS #212593

06/03/2026

Another 5 star review. I am humbled!!

05/23/2026

As we head into Memorial Day Weekend, take a moment to honor the men and women who made the ultimate sacrifice for our freedom. Regardless of political views, please remember what these humans and their families gave up for our country. Be kind, be respectful, and enjoy your freedom with friends and family this weekend!

05/18/2026

🤯 Mortgage math making your head spin? You’re not alone!

Between principal, interest, taxes, insurance, APR, and fees… figuring out your REAL monthly payment can feel overwhelming. 🏡💸

That’s why we made it easy!
👉 Try our FREE Mortgage Payment Calculator here:
🌐 www.oneray.com/PITI

Get a quick estimate of your potential PITI payment and feel more confident about your home buying journey.

Need help understanding the numbers or exploring loan options? Reach out to your mortgage expert Ray Jones at NEXA Mortgage today!

📞 559-346-7238
🌐 www.oneray.com/appt
Ray Jones | OneRay- NEXA Mortgage
NMLS #212593

05/16/2026