Ray Orta Loan Officer

07/23/2026

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Hi, my name is Ray, I am Alfie's brother! We are starting this g… Ray Orta needs your support for 4 years living with Colon Cancer. Help him reach milestones.

07/23/2026

Share, share, share, and Donate, Donate....

Hi, my name is Ray, I am Alfie's brother! We are starting this g… Ray Orta needs your support for 4 years living with Colon Cancer. Help him reach milestones.

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 ❤️

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?

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!

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.

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!