Ray Evans - Element Home Loans

06/02/2026

Homeownership means more than just getting the keys.

It may offer:
🏠Equity over time
🏠More housing stability
🏠Freedom to personalize
🏠Long-term financial potential

If you’re thinking about buying, I’m happy to help you understand your options.

06/02/2026

5.0 star review received on Experience.com for Ray Evans by Matthias L - Working with Ray and his team was exceptional. The level and speed of communication were first class. They answered all questions promptly and were always available with advice and guidance. They explained in layman terms each step of the process and communicated clearly what information was needed and what to do to make the loan process run smoothly. I can only highly recommend Ray and Element Home Loans.

Click to see all 327 reviews of Ray Evans, Mortgage Loan Officer, Retail Branch Manager|NMLS # 218350

05/29/2026

Spring is the perfect time to refresh your home and add a little extra curb appeal.

From updating your front door and sprucing up outdoor spaces to organizing and adding small decor touches, even simple projects can make a big impact.

05/26/2026

Choosing the right loan term is an important part of planning your mortgage.

Shorter terms can save you on interest but may mean higher monthly payments. Longer terms often lower your monthly payment but increase the total interest paid over time.

Want help figuring out which loan term fits your budget and goals? Reach out today to explore your options and make a plan that works for you.

05/24/2026

5.0 star review received on Experience.com for Ray Evans by Shaughnessy D C - Ray is an excellent communicator and an extremly polite professional person to work with. He was always available for questions and always explained the complicated proceess so that we felt comfortbale signing documents. Excellent Job Ray!

Click to see all 326 reviews of Ray Evans, Mortgage Loan Officer, Retail Branch Manager|NMLS # 218350

05/22/2026

5.0 star review received on Experience.com for Ray Evans by Juan J R - It was great and would do it again

Click to see all 325 reviews of Ray Evans, Mortgage Loan Officer, Retail Branch Manager|NMLS # 218350

05/21/2026

Spring is the perfect time to refresh your garden and help your plants thrive.

From preparing your soil and choosing the right plants to watering wisely and adding mulch, a few simple steps can make a big difference.

05/19/2026

The title process is an important part of buying a home. It ensures you have clear ownership and protects you from potential issues that could arise after closing.

A title search and title insurance give you peace of mind and help make the closing process smooth and secure. Have questions about the title process or what to expect next? Reach out today to get guidance and support every step of the way.

05/19/2026

5.0 star review received on Experience.com for Ray Evans by Christina M R - The process was very easy thanks ro Ray and his team. They explained everything in a way that was easy to understand and was there fir us every step of the way and was just a phone call a way if we needed anything.

Click to see all 324 reviews of Ray Evans, Mortgage Loan Officer, Retail Branch Manager|NMLS # 218350

05/15/2026

5.0 star review received on Experience.com for Ray Evans by Kim A - The team was very responsive, kept me updated throughout the process and we closed on time.

Click to see all 323 reviews of Ray Evans, Mortgage Loan Officer, Retail Branch Manager|NMLS # 218350