The Ray Mortgage Team

08/14/2026

5.0 star review received on Experience.com for Tim Ray by Amy L - Tim worked with me thru a difficult closing and kept my spirits high. Great website and timely information.

Read more: https://experience.com/reviews/tim-ray/3eee970d-d8f5-4cd9-b572-e1e320686722?V=1786713153&utm_source=facebook&utm_medium=autopost&utm_content=13420529

08/13/2026

Social media can create real opportunities for your business-but first, consumers need a reason to follow you.

Join us for Become the Local Guide, a class designed to help real estate agents create hyperlocal content that connects with people in the communities they serve.

We'll cover how to create content around neighborhoods, local businesses, restaurants, events, weekend activities and what it is really like to live in the communities you serve-then show you how to connect it all back to real estate in a way that feels natural, useful and relevant.

You'll also learn how to use AI to find ideas, develop stronger posts and create a repeatable content plan that helps you build trust, stay top of mind and turn local attention into real conversations and potential leads.

🔗 Register here: https://bit.ly/AugustSocialSales26

08/02/2026

5.0 star review received on Experience.com for Tim Ray by Breanna O - Tim was very knowledgeable about the loan situations we were considering and worked diligently to help us find a monthly payment that would work for us

Read more: https://experience.com/reviews/tim-ray/776f4f69-d08a-4b7f-b918-e8c3d085473a?V=1785677520&utm_source=facebook&utm_medium=autopost&utm_content=13378041

07/23/2026

5.0 star review received on Experience.com for Tim Ray by Joshua R - Tim and his team was VERY thorough through our the whole process. It was nice to be kept accountable as far and timely matter things and completing every task . They were also knowledgeable on things we didn't understand and explained them clearly for us. Overall a very smooth experience from start to finish!

Click to see all 157 reviews of The Ray Mortgage Team, Area Manager | NMLS # 219478

07/13/2026

Fairway and the Colorado Housing and Finance Authority (CHFA) are helping educators get one step closer to homeownership. Message me today to learn more!

07/11/2026

5.0 star review received on Experience.com for Tim Ray by Carolynn E - Initially, my spouse and I started with five different lenders. We weren't in a rush to buy a home, but we wanted to be financially prepared so that if the right home came along, we could submit a competitive offer.

After a lot of research and careful consideration, we ultimately chose Ronnie and Tim because of their responsiveness and professionalism. We applied for a VA loan with partial entitlement, so we had a lot of questions throughout the process. They were consistently patient, responsive, and thorough, making sure we had the information we needed every step of the way.

They stayed engaged throughout our entire home search (the third home was the charm!) and never made us feel rushed. In the end, we were able to purchase a home we absolutely love, maximize our seller concessions, and secure a very competitive interest rate.

Tim and Ronnie also surprised us with a beautiful and thoughtful gift basket at closing, which was a wonderful personal touch.

We highly recommend The Ray Team!

Click to see all 154 reviews of The Ray Mortgage Team, Area Manager | NMLS # 219478

07/02/2026

5.0 star review received on Experience.com for Tim Ray by Brenda D - You worked hard to help me and even explained my previous mortgage to me

06/27/2026

Reverse mortgages have changed-and many people don't realize how different they are today.
If you've heard mixed messages or outdated myths, join our free webinar for a clear, straightforward look at how they work now.
Learn how home equity may help support cash flow, preserve savings, and create more flexibility in retirement.