Ray Combs Homes Mortgage NMLS #1458928

Ray Combs Homes Mortgage NMLS #1458928 Ray has over 25 years experience with Mortgage Real Estate Nationally. Equal Housing Lender

I am NOT trying to become the biggest mortgage personality on Facebook.I want to become one of the most REMEMBERED.There...
08/25/2026

I am NOT trying to become the biggest mortgage personality on Facebook.
I want to become one of the most REMEMBERED.
There’s a difference.
I want you to think about speed and remember Mach Mortgage.
I want Realtors to think about communication and remember us.
I want buyers to think, “Why didn’t anybody explain mortgages to me like THAT before?”
I want entrepreneurs to watch us build.
I want people to see the wins AND the difficult deals.
And I want this community to stretch far beyond Florida.
You don’t build a memorable company by sounding like everybody else.
You build one by having a point of view.
Mine is simple:
COMMUNICATE.
EXECUTE.
MOVE WITH PURPOSE.
STAY PASSIONATE. 🍀
I would post #1 first. “The internet doesn’t have state lines. My licenses do.” is strong because it addresses exactly what you’re trying to accomplish without falsely implying 50 state lending. Then #9 becomes your national networking post, #4 is built for shares and Realtor tagging, and #10 starts defining the larger Ray Combs/Mach Mortgage brand instead of another property specific campaign.

REALTOR ROLL CALL🚨 REALTOR ROLL CALL ACROSS AMERICA 🚨I want to see how far Facebook can take this post.If you’re a Realt...
08/25/2026

REALTOR ROLL CALL
🚨 REALTOR ROLL CALL ACROSS AMERICA 🚨
I want to see how far Facebook can take this post.
If you’re a Realtor, Broker, Loan Officer, Builder, Title Professional, Attorney, Inspector or other real estate professional…
Comment:
📍 CITY
📍 STATE
🏡 WHAT YOU DO
Then connect with TWO other professionals in the comments who are outside your normal market.
No sales pitch required.
Just expand your network.
I’ll start:
Ray Combs
Florida
Mortgage Company Owner + Florida Managing Broker
Now let’s see where everybody is hiding. 👇

LUXURY ISN’T A PRICE POINTLuxury lending isn’t just about expensive houses.Luxury is:Fast communication.Clear expectatio...
08/25/2026

LUXURY ISN’T A PRICE POINT
Luxury lending isn’t just about expensive houses.
Luxury is:
Fast communication.
Clear expectations.
Accurate numbers.
Privacy.
Professionalism.
Problem solving.
Someone answering the phone.
Someone actually knowing your file.
And someone respecting the value of your TIME.
A $300,000 buyer deserves that experience.
A $3,000,000 buyer deserves that experience.
Price changes.
Standards shouldn’t.

THE EXPENSIVE WORD: LATEROne of the most expensive words in real estate is:“LATER.”I’ll get preapproved later.I’ll send ...
08/25/2026

THE EXPENSIVE WORD: LATER
One of the most expensive words in real estate is:
“LATER.”
I’ll get preapproved later.
I’ll send the documents later.
I’ll call the Realtor later.
I’ll make the offer later.
I’ll respond to underwriting later.
I’ll fix my credit later.
Then somebody else buys the house.
Somebody else gets the client.
Somebody else builds the relationship.
Somebody else takes the opportunity.
You don’t need to be reckless.
But when you KNOW what needs to happen…
MOVE.
Speed Matters.

THE DUAL PERSPECTIVEI see real estate differently because I sit in TWO different chairs.As a mortgage company owner, I u...
08/25/2026

THE DUAL PERSPECTIVE
I see real estate differently because I sit in TWO different chairs.
As a mortgage company owner, I understand the financing.
As the owner and Managing Broker of a separate Florida real estate company, I understand what Realtors and sellers are dealing with on the other side.
That changes conversations.
I understand why the listing agent wants certainty.
I understand why the buyer wants numbers.
I understand why the Realtor needs communication.
I understand why title needs clean documentation.
And I understand why EVERYBODY gets nervous when one person stops answering their phone. 😂
Real estate is a team sport.
Your transaction is only as strong as its weakest handoff.

I WANT REALTORS OUTSIDE FLORIDA FOLLOWING MEI want MORE Realtors from outside Florida following me.California.Texas.Geor...
08/25/2026

I WANT REALTORS OUTSIDE FLORIDA FOLLOWING ME
I want MORE Realtors from outside Florida following me.
California.
Texas.
Georgia.
Washington.
Colorado.
Tennessee.
Alabama.
And every other state too.
Even if we never close a transaction together, I want this page to be somewhere you come for mortgage knowledge, real estate strategy, negotiation ideas, marketing, laughs and the occasional dose of reality. 😂
And when our businesses CAN cross paths?
Even better.
Facebook has made the real estate world smaller.
So let’s use it.
REALTORS: Drop your STATE and the market you serve below.
I’m following some of you back. 👇

THE 9 TO 5 MORTGAGE PROBLEMYour dream house doesn’t stop being for sale at 5:00 PM.Neither should your mortgage team.🏡 S...
08/25/2026

THE 9 TO 5 MORTGAGE PROBLEM
Your dream house doesn’t stop being for sale at 5:00 PM.
Neither should your mortgage team.
🏡 Saturday showing.
🔥 Multiple offers.
⏰ Highest and best tonight.
📱 Realtor needs updated numbers.
📄 Listing agent wants confirmation.
And your lender says…
“Someone will get back to you Monday.”
MONDAY?! 😂
Real estate doesn’t operate on banker hours anymore.
Speed doesn’t mean being reckless.
Speed means having systems, experience and people willing to move when opportunity shows up.
Who has lost a deal because somebody moved too slowly?

STOP SHOPPING ONLY FOR RATE⚠️ HOMEBUYERS: THE LOWEST RATE DOESN’T ALWAYS WIN.I know.Everybody wants the lowest number.Bu...
08/25/2026

STOP SHOPPING ONLY FOR RATE
⚠️ HOMEBUYERS: THE LOWEST RATE DOESN’T ALWAYS WIN.
I know.
Everybody wants the lowest number.
But ask yourself something:
What good is a slightly lower rate if the lender can’t close?
What if they miss your financing deadline?
What if nobody answers the listing agent?
What if underwriting discovers something 48 hours before closing that should have been caught on Day 1?
A mortgage is not just an interest rate.
It is ex*****on.
It is communication.
It is underwriting.
It is strategy.
It is somebody being accountable when hundreds of thousands or millions of dollars are on the line.
Shop intelligently.
Not emotionally.

YOUR PREAPPROVAL IS NOT A PDF🔥 REALTORS: YOUR BUYER’S PREAPPROVAL SHOULD NOT JUST BE A PDF.A preapproval should be a STR...
08/25/2026

YOUR PREAPPROVAL IS NOT A PDF
🔥 REALTORS: YOUR BUYER’S PREAPPROVAL SHOULD NOT JUST BE A PDF.
A preapproval should be a STRATEGY.
Can the lender answer the phone?
Can they explain the file to the listing agent?
Can they identify problems BEFORE underwriting?
Can they move when your buyer finds THE house?
Can they work nights and weekends when necessary?
Because that pretty little letter means absolutely nothing if the lender disappears after the contract is signed.
The mortgage is part of your negotiation strategy.
Choose accordingly.
Realtors across America: what is the #1 thing you wish lenders did better?
I want to hear it. 👇

THE INTERNET DOESN’T HAVE STATE LINESThe internet doesn’t have state lines.My licenses do. 😂That means I’m not going to ...
08/25/2026

THE INTERNET DOESN’T HAVE STATE LINES
The internet doesn’t have state lines.
My licenses do. 😂
That means I’m not going to pretend Mach Mortgage lends in all 50 states just to sound bigger.
But I absolutely want Realtors, buyers, builders, investors, attorneys and business owners from ALL 50 states following this page.
Why?
Because a good mortgage lesson in Florida can save somebody from making a bad decision in California.
A negotiation lesson in Texas can help a Realtor in Georgia.
A closing problem in Washington can teach an agent in Tennessee what to watch for.
I’m building more than a local audience.
I’m building a community of people who believe SPEED MATTERS, communication matters and excuses are expensive.
Where are you following me from?
Drop your CITY + STATE below. 👇
🍀 Stay Passionate
Ray Combs
Mach Mortgage

Address

13371 N 56th Street, Suite C
Tampa, FL
33617

Website

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