Ray Orta Loan Officer

Ray Orta Loan Officer **Hello! How exciting, you're looking for a home and you hit the jackpot and stumbled onto my page!

I have been a Mortgage Loan Officer for 21 years, and I'm also a retired US Navy Sailor. Helping future and current homeowners is a job I take seriously.** Offering the industry’s deepest menu of loan programs, allowing us to close loans when other lenders have said no. We are dedicated to providing superior service combined with innovative loan programs to ensure the greatest value for our customer... creating a “Client for Life.”

We proudly offer mortgage assistance to those who need it most. We love that we can make a difference within our beloved...
02/14/2025

We proudly offer mortgage assistance to those who need it most.

We love that we can make a difference within our beloved community, and the loving feedback we receive continues to fuel our passion and put a smile on our faces!

To every one of our clients, we thank you from the bottom of our hearts ❤️

The year 2020 saw the most first time home buyers in the history of the US.Real estate reality or mortgage mumbo-jumbo?
02/13/2025

The year 2020 saw the most first time home buyers in the history of the US.

Real estate reality or mortgage mumbo-jumbo?

Which decision would you make?Pay off your loan over 10 years at 3% interest, and have less day-to-day spending cash?ORP...
02/12/2025

Which decision would you make?

Pay off your loan over 10 years at 3% interest, and have less day-to-day spending cash?

OR

Pay off your loan over 30 years at 4% interest, spending more in total on interest but having more day-to-day spending cash?

There is no one correct answer, as it all depends on your personal situation and lifestyle. We’d love to know what decision you’d make!

I had a dream last night where every time I took out a dollar from my wallet, it would fill up again with 100’s. I went ...
02/11/2025

I had a dream last night where every time I took out a dollar from my wallet, it would fill up again with 100’s.

I went straight to a chocolatier and bought their entire stock.

Mortgage mania!For most people, the best option for buying a house is to take out a mortgage. But what exactly does that...
02/10/2025

Mortgage mania!

For most people, the best option for buying a house is to take out a mortgage. But what exactly does that mean?

A mortgage is the agreement between you and a lender, which gives the lender the right to take your property if you are unable to repay the borrowed amount plus interest.

I know, right? Pretty heavy.

So it's very important that you take the time to get yourself the best deal possible! Here are a few things to look out for when taking out a mortgage:

-The size of the loan
-The interest rate
-The closing costs of the loan
-The lender's fees
-The Annual Percentage Rate (APR)
-The type of interest rate and whether it can change (fixed vs. adjustable?)
-The loan term (how long you have to repay the loan)
-Whether the loan has a prepayment penalty, a balloon clause, an interest-only feature, or negative amortization

Being educated about your decision is the first step to ensuring that you will be able to pay it off and own the house of your dreams!

Happy hunting!

Inflation giving you the blues? We’re happy to help if you’re struggling to make those mortgage payments. But we’d be ev...
02/08/2025

Inflation giving you the blues?

We’re happy to help if you’re struggling to make those mortgage payments.

But we’d be even happier if you never needed to come to us in the first place – so here’s a tip you can use to save money on your mortgage:

Even though a 15 year mortgage will have a much lower interest rate than a 30 year mortgage, you are tasked with making monthly payments that are considerably more expensive – and that may be too much to handle.

So why not take out a 30 year mortgage, but pay it off quicker?

The great thing about this is, you can make payments as if it is a 15 year loan, but without the added stress and responsibility of the higher minimum payment.

That way if you ever find yourself in trouble, you’ll have a much easier time making those minimum payments.

Just watch out that your mortgage doesn’t include a prepayment penalty – that would put a serious damper on your plans.

Even though we would miss your company, we’d be happy to know that you are succeeding in building the life of your dreams, without any worry of losing your home.

After all, we are here to help :)

Closing costs? You’ve gotta be kidding me…So you've been paying your mortgage for years and years, and finally the end i...
02/07/2025

Closing costs? You’ve gotta be kidding me…

So you've been paying your mortgage for years and years, and finally the end is in sight.

Then BOOM! It hits you – you’re reminded that you need to pay closing costs as you finish up your loan.

What a bummer.

Here’s what may be taken into account when the closing costs are being decided:

-A survey fee paid to verify property boundaries
-A flood certification fee to ensure the property is not in a flood zone
-The title search fee to check the history of the property, ensuring there are no legal claims on it
-Attorney costs associated with closing the loan
-Recording and transfer costs—a fee paid for recording the purchase of your home
-Loan preparation fees, being a percentage of the overall loan amount
-Escrow accounts, including private mortgage insurance (PMI), homeowner’s insurance, and property taxes

A lot goes into buying a house, so make sure you do your research and prepare yourself – with enough planning, you too can own the home of your dreams!

With rising inflation, it can be more difficult than ever to meet those mortgage payments on time. And unfortunately, th...
02/06/2025

With rising inflation, it can be more difficult than ever to meet those mortgage payments on time.

And unfortunately, the bank won't accept an IOU…

So that's why we here at [insert custom variable] are committed to providing the mortgage assistance you need to keep the ball rolling, and move forward with owning the house of your dreams.

Unsure about mortgage assistance? Interested in learning more about the finer details? Leave us a comment down below and we’ll be happy to shed some light on all the ways that we can help you :)

Way back in the 1930’s, if you didn’t have enough money to buy a house outright, there wasn’t much you could do in the w...
02/05/2025

Way back in the 1930’s, if you didn’t have enough money to buy a house outright, there wasn’t much you could do in the way of obtaining property.

So the insurance companies of the time had a brilliant idea:

Give people the chance to own a house by means of a loan, but with a catch – if you failed to make your payments, they would have the right to take your property!

The banks, ever opportunistic as they are, thought this was a great idea.

And thus, the great American mortgage was born!

We don’t think it’s so nice that they’d take your house when times get tough, which is why we are proud to offer mortgage assistance to those who are in need of a little helping hand :)

Call us today at [insert custom variable] and we’ll be happy to get you the assistance you need, with great rates and a smile on our face!

Address

Las Vegas, NV
89113

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 6pm

Telephone

+17022773177

Website

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