Ray Hishmeh at Guaranteed Rate NMLS - 223450

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Ray Hishmeh at Guaranteed Rate NMLS - 223450

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Senior Loan Officer at Edge Home Finance
NMLS ID: 223450
GR NMLS ID: 2611 Regulated by the Division of Real Estate. Guaranteed Rate, Inc. NMLS 2611

3940 N.

Ravenswood Ave., Chicago, IL. 60613

(866) 934-7283, rate.com

Equal Housing Lender

For licensing information, go to www.nmlsconsumeraccess.org

www.rate.com/licensing

https://www.rate.com/privacy

State License Numbers: CO - 100009477, FL - LO77178, LA - Licensed, OK - MLO23078, TN - 235015, TX - Licensed, WY - 102826

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/19/2024

Making jumbo as easy as conventional has made Rate the #1 non-bank retail jumbo lender.* Our AI-enhanced technology makes closing faster, smoother and smarter. And our custom loan options give your clients competitive terms that fit their needs. Contact me to give your jumbo clients the big deal they deserve: http://ms.spr.ly/6183lvsbb

08/19/2024

Practicing mindfulness lets us focus on positive thoughts and calm feelings, rather than the stressful ones. Download the to learn more mindfulness tips: http://ms.spr.ly/6185lvi2Z

08/16/2024

Unforeseen expenses can be stressful. Instead of draining savings or increasing bills, a reverse mortgage taps into your home’s equity for funds and can even eliminate monthly mortgage payments. Unlock the potential of your home equity today with a : http://ms.spr.ly/6188ls9fK

08/15/2024

These 25 markets are seeing home prices getting cut, which means that buyers can find themselves a deal: http://ms.spr.ly/6184lS5Bk

08/14/2024

With a jumbo loan, you can secure your dream home with fewer upfront costs. Choose from fixed or adjustable rate options starting at 5-10% down. Discover why Rate handles more jumbos than any other lender*: http://ms.spr.ly/6185lq9bS

08/14/2024

Home prices continued to rise over the last three months, though the pace has slowed.
Learn strategies to navigate this changing market: http://ms.spr.ly/6188lqbQq

08/13/2024

PowerBid Approval gives you a fully underwritten pre-approval that can make your offers stand out in a competitive market.
Get started today: http://ms.spr.ly/6182lUbhs

08/12/2024

Focus on appreciating and acknowledging the positive aspects of your life. Make it easier to find and enjoy even more reasons to be grateful by downloading the today: http://ms.spr.ly/6188loigy

08/08/2024

When you’ve found the home you want, speed is the key to making it yours. Our Same Day Mortgage* can give your offer the same kind of punch as an all-cash offer. Learn more: http://ms.spr.ly/6180lYAXs

08/07/2024

With rates at their lowest of the year, now is the time to jump on this incredible refi opportunity. Call me today and lock in your rate: http://ms.spr.ly/6185lYeXB

Address

1221 S Clarkson Street, Suite 301
Lake George, CO
80210

Website

https://www.Rate.com/rayhishmeh?utm_source=facebook&utm_medium=organic&utm_campaign=yext&utm_content=15852&adtrk=%7Cseo%

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