Ray at Northpointe Bank

Ray at Northpointe Bank NMLS # 859241
Equal Housing Lender
Ray Childs

🚨🏈 CHECK THE SCOREBOARD!My client closed his All In One Loan in October 2025 at $580,000.🔥 Balance today: $536,092That’s...
08/25/2026

🚨🏈 CHECK THE SCOREBOARD!

My client closed his All In One Loan in October 2025 at $580,000.

🔥 Balance today: $536,092
That’s $43,908 off the balance!

A traditional 30-year fixed at 6.50% from the same starting point?

👉 Estimated balance: $575,177

💥 THAT’S A $39,085 DIFFERENCE!

And here’s the kicker: with the AIO, available equity can be accessed when needed, subject to the loan terms and available credit.

So we’re talking:

LOWER BALANCE. ACCESS. FLEXIBILITY.

Everybody asks, “What’s the rate?”

I’m asking…

🏈 “WHAT’S YOUR BALANCE DOING?” 😂

AIO isn’t for everyone—but for the right borrower, it can be a POWERFUL strategy.

📲 DM me “AIO” and let’s run your numbers.

The Northpointe Linebacker #34
BUILT TO CLOSE. 🏈

Actual client example; results vary. Traditional loan comparison is hypothetical. Access to funds is subject to loan terms and available credit.

5.0 star review received on Experience.com for Ray Childs by Sarah M - Thank you, team!
06/23/2026

5.0 star review received on Experience.com for Ray Childs by Sarah M - Thank you, team!

Click to see all 27 reviews of Ray Childs - Northpointe Bank, Sr. Loan Officer | NMLS # 859241

5.0 star review received on Experience.com for Ray Childs by Taya S - Excellent service! Ray  made the home  buying proc...
06/13/2026

5.0 star review received on Experience.com for Ray Childs by Taya S - Excellent service! Ray made the home buying process easy and stress free. He was responsive, professional, and always available to answer questions. I couldn’t have asked for a better experience and highly recommend him!

Click to see all 26 reviews of Ray Childs - Northpointe Bank, Sr. Loan Officer | NMLS # 859241

5.0 star review received on Experience.com for Ray Childs by Freddy R - Trust  my  lender
04/30/2026

5.0 star review received on Experience.com for Ray Childs by Freddy R - Trust my lender

Click to see all 25 reviews of Ray Childs - Northpointe Bank, Sr. Loan Officer | NMLS # 859241

Address

6300 Dutchmans Parkway
Louisville, KY
40205

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