Ray Evans - Element Home Loans

10/15/2026

You can renovate a kitchen. You cannot renovate a location.

Before you fall in love with the house, ask the hard questions about the neighborhood first. Swipe for what to research before you make an offer.

10/13/2026

Most buyers fall in love with the finishes and miss everything else. Before you make an offer, know what to actually look for during a home walkthrough. Swipe for the checklist that could save you thousands.

10/09/2026

Mortgage myths are keeping many buyers on the sidelines.

From needing 20% down to waiting for the perfect rate, we are debunking the scary things buyers believe that are simply not true. Swipe before the myths decide for you.

10/07/2026

A cheaper house doesn't always mean a cheaper payment, and that surprises a lot of buyers.

The price tag is just the starting point. Swipe to see what actually drives your monthly payment.

10/07/2026

5.0 star review received on Experience.com for Ray Evans by Joe E M - Everything was extremely fast and professional done

Click to see all 409 reviews of Ray Evans at Element Home Loans, Branch Manager | NMLS # 218350

10/05/2026

How much cash do I actually need to buy a home? Most buyers do not ask this question until it’s too late.

The down payment is just the beginning. Swipe to see the full picture before you start shopping.

10/02/2026

Screenshots aren't bank statements, and yes, this happens more than you think.

If you are getting ready to apply for a mortgage, this one is worth a swipe.

Knowing what lenders actually need before you apply saves time and avoids delays when it matters most.

10/02/2026

5.0 star review received on Experience.com for Ray Evans by Ada I M - Ray was very informative, detailed and specific about this process. He explained over zoom details of documents for our review. He also helped when it was diffucult for us to send off documents from our home computer. Ray kept us informed of the process and we appreciate his professionalism and making sure we understood the process of getting a home loan.

Click to see all 408 reviews of Ray Evans at Element Home Loans, Branch Manager | NMLS # 218350

09/28/2026

Thinking about selling? Start here.

A little preparation before you list can make a big difference in how fast your home sells and how much you walk away with. Swipe to see what to tackle first.

09/25/2026

5.0 star review received on Experience.com for Ray Evans by Michael D S - Very smooth and stress free experience. Thanks to everyone that helped walk us through all of the online issues.

Click to see all 406 reviews of Ray Evans at Element Home Loans, Branch Manager | NMLS # 218350