Ray Gulam - Gulam Home Mortgage, LLC

Ray Gulam - Gulam Home Mortgage, LLC Quick and Easy Mortgage Services (purchase and refi). Company NMLS #2412133
Personal NMLS #873508

Texas Compliance Disclosure:
https://www.excelresidentialmortgage.com/texas-disclosure/

The most successful buyers aren't waiting for perfect conditions. They're recognizing opportunity when it presents itsel...
06/05/2026

The most successful buyers aren't waiting for perfect conditions. They're recognizing opportunity when it presents itself.

There is a reason it's called a Buyer's Market. Seize the opportunity while it exists!

If you're considering buying a home, let's put together a strategy that allows you to take advantage of today's market conditions and make a confident offer.

A great mortgage experience should be built on expertise, transparency, and communication. I'm so grateful when clients ...
06/01/2026

A great mortgage experience should be built on expertise, transparency, and communication. I'm so grateful when clients take the time to share their experience.

Whether it's a first home, a move-up purchase, or another transaction years later, my commitment remains the same: provide honest advice, clear communication, competitive loan options, and a smooth path to closing.

Thank you for your continued trust and the opportunity to help once again. Repeat clients are the ultimate measure of success because they reflect relationships built on confidence, service, and results.

If you're considering a home purchase or refinance—or you're a Realtor looking for a mortgage partner who will take exceptional care of your clients—I'd love the opportunity to help.

📞 972-656-0990
🌐 GulamHM.com

Guiding first-tme buyers with experience, clarity, and confidence! Reach out today for your no-obligation consultation ...
05/28/2026

Guiding first-tme buyers with experience, clarity, and confidence! Reach out today for your no-obligation consultation and see why our clients love us!

There’s nothing better than helping first-time home buyers feel confident and supported throughout the mortgage process....
05/27/2026

There’s nothing better than helping first-time home buyers feel confident and supported throughout the mortgage process. 🏡

Thank you so much for the incredibly kind review and for trusting Gulam Home Mortgage to guide you every step of the way. Knowing you felt informed, cared for, and comfortable throughout the process means the world to me.

Buying your first home is a huge milestone, and my goal is always to make the experience as smooth, transparent, and stress-free as possible.

If you’re thinking about buying a home — whether it’s your first home, next home, or an investment property — I’d love the opportunity to help guide you home too.

📍 Gulam Home Mortgage
✅ Competitive Rates
✅ Fast Closings
✅ Personalized Guidance
✅ Communication Every Step of the Way

There’s nothing more rewarding than helping a client again and again throughout different stages of life.One of the grea...
05/26/2026

There’s nothing more rewarding than helping a client again and again throughout different stages of life.

One of the greatest compliments I can receive is when a past client comes back to work with me for another home purchase or refinance. This is even more meaningful when they continue referring their friends and family over the years.

I’m incredibly grateful for the trust my clients place in me. My goal has always been to make the mortgage process smooth, transparent, stress-free, and tailored to each client’s unique goals.

Thank you to all of my repeat and referral clients for continuing to allow me to be part of such important milestones in your lives. It truly means more than you know.

If you or someone you know is looking to buy a home, refinance, or simply explore options, I’d be honored to help.

— Ray Gulam
Gulam Home Mortgage, LLC

There’s nothing more rewarding than helping great people navigate the home financing process with confidence and peace o...
05/20/2026

There’s nothing more rewarding than helping great people navigate the home financing process with confidence and peace of mind. Reviews like this mean the world to me and are a reminder of why I love what I do every single day.

⭐️⭐️⭐️⭐️⭐️
“Ray was so lovely to work with. He was quick, responsive, knowledgeable and kind. You would be lucky to work with him.”

Whether you’re purchasing your first home, upgrading, refinancing, or you’re a realtor looking for a mortgage partner who communicates, closes on time, and takes exceptional care of your clients — I’d love the opportunity to help.

📲 Contact today and let’s put a customized mortgage plan in motion.

Helping a teacher become a first-time homeowner is always especially meaningful to me. With two teachers in my own famil...
04/23/2026

Helping a teacher become a first-time homeowner is always especially meaningful to me. With two teachers in my own family, I have a deep appreciation for the dedication, patience, and impact educators make every single day.

I had the honor of helping this wonderful client close on her first home purchase. She was an absolute pleasure to work with—kind, thoughtful, and truly deserving of this exciting milestone. Guiding first-time buyers through the mortgage process and making homeownership feel smooth and stress-free is one of the most rewarding parts of what I do.

This closing was even more special because she was referred to me by another valued client I’ve proudly assisted for several years. Repeat clients and referrals are the foundation of Gulam Home Mortgage, and I’m incredibly grateful for the trust.

Congratulations on your beautiful new home and the exciting chapter ahead! 🏡🔑

If you are looking to buy a home, need a trusted mortgage broker, or you’re a realtor seeking a lender who offers competitive rates, fast closings, and strong communication, I would love the opportunity to help. Contact Gulam Home Mortgage today.

Huge congratulations to another first-time homebuyer who officially closed on his VA mortgage today! 🇺🇸🏡Helping veterans...
04/21/2026

Huge congratulations to another first-time homebuyer who officially closed on his VA mortgage today! 🇺🇸🏡

Helping veterans and active-duty service members achieve homeownership is always an honor—especially when it’s their very first home. Thank you for your service and for trusting Gulam Home Mortgage, LLC to guide you through the process.

From pre-approval to closing day, we’re committed to making the mortgage experience smooth, clear, and stress-free.

If you’re a buyer thinking about purchasing a home—or a real estate agent looking for a trusted mortgage partner who delivers competitive rates, fast closings, and excellent communication—let’s connect today.

📲 Reach out anytime to get started.

03/31/2026

⭐️⭐️⭐️⭐️⭐️ Just In: Another 5-Star Google Review!

“Great experience working with Ray. Was very happy with the process and end results and would highly recommend!”

At Gulam Home Mortgage, my goal is simple — provide a smooth, efficient mortgage process, clear communication, and results that exceed expectations.

Whether you're a first-time homebuyer, upgrading to your next home, or looking to refinance your mortgage, I work closely with you to make sure you feel informed and confident every step of the way.

With access to wholesale mortgage rates, fast closings, and personalized loan solutions, I help clients throughout Texas and Florida secure the best financing options for their unique situation.

If you're searching for a:
✔️ Mortgage broker in Texas
✔️ Mortgage broker in Florida
✔️ First-time homebuyer loan
✔️ Low mortgage rates
✔️ Fast, smooth home loan process

📲 Let’s connect — I’d love to help you achieve your homeownership goals.

🏡 Realtors: Looking for a reliable lending partner who delivers on-time closings and keeps your clients fully informed? Let’s work together.

⭐️⭐️⭐️⭐️⭐️ Another 5-Star Experience!Helping clients feel confident and informed every step of the way is what it’s all ...
03/27/2026

⭐️⭐️⭐️⭐️⭐️ Another 5-Star Experience!

Helping clients feel confident and informed every step of the way is what it’s all about 🙌

Here’s what one recent homebuyer had to say:

“Ray is very experienced, informative, and quick to respond… He made sure there were no delays for a quick closing and was on top of everything from the start… If you want a smooth, efficient experience, I highly recommend Ray!”

This is exactly the experience we strive to deliver every single time—clear communication, fast closings, and zero surprises.

🏡 Buying a home in Texas or Florida?
Let’s make your mortgage process just as smooth and stress-free.

🤝 Realtors: Looking for a lending partner who keeps your deals on track and closes on time? Let’s connect.

📲 DM me anytime or visit GulamHM.com to get started.

Address

405 State Highway 121 Bypass, Suite A250
Lewisville, TX
75067

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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