Thomas Ray - NMLS # 171228

06/04/2026

It doesn’t always take a big change to make an impact. Over time, even small extra payments can start to reshape your path forward.

06/04/2026

5.0 star review received on Experience.com for Thomas Ray by Bitsy C - Geena and Thomas took excellent care of my first time homebuyer client. They carefully walked him through every step of the loan process and communicated perfectly with me.

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06/02/2026

Built together. Celebrated together.

Recognition in the 2026 Scotsman Guide Company Rankings is a testament to the people behind the work and the standard they uphold.

*Movement Mortgage is not affiliated, endorsed, or sponsored by the Department of Veterans Affairs or Federal Housing Administration; United States Department of Agriculture or any government agency.

06/02/2026

June is National Homeownership Month 🏡 A home is more than four walls. It's where milestones happen, routines are built, and families put down roots. For every person on a
different part of the journey, homeownership means something uniquely powerful. This month, we're celebrating all of it. ❤ What does home mean to you?

06/02/2026

5.0 star review received on Experience.com for Thomas Ray by Christy E - Thomas Ray in the entire Movement Mortgage team were outstanding throughout the home loan process for my buyers. We had a unique situation involving coordination with another lender, and they work seamlessly behind the scenes to keep everything moving and ensure we closed on time. Their communication was exceptional from start to finish. We were always informed of the next steps, and they kept all parties updated throughout the process. Their professionalism responsiveness and dedication made what could've been a stressful experience feel smooth and well managed. If you're looking for a Mortgage team that truly goes above and beyond I highly recommend Thomas Ray and Movement Mortgage.

Click to see all 159 reviews of Thomas Ray, Branch Leader

06/01/2026

As your equity grows, your payment can change. Reaching 20% could open the door to removing private mortgage insurance (PMI) and creating more flexibility.* *Not a guarantee for all loan types. Speak to a loan officer for your specific situation.

05/29/2026

💰 FINANCE FRIDAY TIP

Mortgage Tip:
👉 Don’t shop for a home based on the price—shop based on the monthly payment. A home’s list price doesn’t tell the full story.

Monthly payments can change based on:
Interest rate
Taxes and insurance
Down payment amount

Understanding your comfortable monthly payment before house hunting can help you:
Avoid stretching your budget
Make more confident decisions
Enjoy homeownership long‑term

A little clarity upfront can save a lot of stress later.

05/28/2026

The homebuying process doesn’t have to feel overwhelming. A few early decisions can help the rest fall into place. We can help you make those decisions.

05/27/2026

05/27/2026

5.0 star review received on Experience.com for Thomas Ray by Matthew N - any and every question was answered! Always kept us informed and updated on everything

Click to see all 158 reviews of Thomas Ray, Branch Leader