Excellent customer service, very professional, rapid responder, are some of the reasons we chose Ray to look at our refinance. We started our process doubtful, knowing we had a tricky job ahead of us due to my husband and I being self-employed business owners with 2 mortgages, making for a high income to debt ratio. Ray was hopeful, so we jumped in. His amazing assistant or co-worker, Matthew Veronesi (mortgage loan originator) took it from there and we worked the rest of the way with him. I will review him separately. Everyone who we worked with from HomeBridge, including the underwriter assistant, Derek, were expedient, courteous and very knowledgable. Our loan closed after many trying situations ( all on our part). And, our rate actually lowered during the process, yay!!! We will be starting our net refinance on our send home with HomeBridge in June. I highly recommend these guys! read more

Ray was recommended to me by Zillow (I stop by occasionally to check on home sales in my area and Zestimates). I had a relatively difficult refi (moving to FHA to non-FHA) and it took a lot longer to close than I expected. Ray was very responsive, keeping the process moving along quickly as possible to closing. Very good use of Internet technologies to minimize paperwork and quick turnaround times. Highly recommended. read more

Ray responded quickly to my questions and helped me with a difficult loan situation--most impressively, he ended up connecting me to the resource I needed, even when it meant he wouldn't get compensated. Highly recommend him! read more

Ray helped me close a great mortgage with Mortgage Services Professionals (JV between Pacific Union and Wells Fargo) very, VERY quickly (just over 3 weeks). Top scores in almost all areas. The one area for improvement is I didn't realize exactly how/when the hand-off would occur with someone internal at MSP, and the internal person wasn't working on precisely the same schedule at first. We had to push hard, and it is a good thing we had an extra day buffer built in to close and that we were able to fund and close the same day, because we needed those extra days. In retrospect, it was a crazy fast close. I didn't realize it at the time, and we were very nervous at the end (because we were going across country the next day after closing/moving) - but everyone pushed hard and got the job done. read more

I picked Ray from zillow from the very communication I had with Ray I was very impressed by his ability to address my questions and suggest solutions. I really didn't expect the excellent attention to the service and detail Ray provides from a broker who is not sitting in front of me. I have worked with on 3 refinances and I recommend him to friends and family. Not only is he responsive, but he makes it painless. I don't feel stressed when working with Ray because I know I will get what he promises. read more

I would highly recommend Ray to help you with your financial needs. We just finished doing a home refinance with him and everything went extremely smooth. I was a bit nervous to go with someone I had found over the internet, that I had never actually met. However, nobody else could even come close to beating his rates. Anytime I had any questions, he would respond to my emails almost immediately. We did go over the 30 day rate lock, but he promised me that they would not charge us a fee if it was not a fault of mine. We went over by only a few days, but at no cost to me. The whole process was very smooth, much better than I had anticipated. If you are considering using Ray, do it, you won't be disappointed! My parents are currently using Ray for a new home loan. So far everything has gone very smooth and it should be closing way before the 30 days read more

Outstanding loan services, effective & efficient, Ray and his team deliver on time loan packages with extremely competitive rates. Ray has helped me and my friends greatly in the past 10 years. I highly recommend Ray Blindauer. read more

My wife and I just completed our second refinance with Ray and I can easily say he is among the very finest and most effective of professionals you will ever encounter. About a year after our first re-fi with him, rates had fallen sharply and I realized that if they went down much further, it would be a good idea to refinance once again. I called Ray and told him the target rate we were looking for. Nearly two months went by, and then one day I got a call from Ray with news that our patience was being rewarded, the rate was at our target and he could get it for no points! I was so impressed that instead of filing away our request into some forgotten pile of paperwork, he had been actively monitoring on our behalf. On top of this, the quote he gave us was not loaded up with a bloated origination fee or even any points, but was actually extremely competitive. Amazing. While our loan paperwork was being processed, the underwriting took a bit longer than anticipated, which jeopardized our rate lock window, but since it was out of our hands, Ray arranged for a rate-lock extension at no expense to us. Awesome. Our loan closed successfully and we could not be happier with Ray's calm leadership through the entire process. If you need a purchase or refinance loan, do yourself a favor and contact Ray first! read more

we have been working with Ray for about 5 years and he is one of the most organized and knowledge loan offices in the State of California. His knowledge in the business and connections with different lenders in the mortgage industry is second to known. He has helped his clients with multiple different venues for conventional 1st mortgages and unique mortgage products to different borrowers who don't meet normal conventional bank loans. He also has loan products for borrowers who are looking for 2nd (second) position mortgages and other loan programs that meet investor needs. Great mortgage broker that responses and is on top of his lenders. I would highly recommend working with him read more

My husband and I have done two loans with Ray. One for buying our current house 5 years ago, and another when we re-financed that same home this past year. When we bought our house, escrow closed in 12 days. That, of course, was a combination of great people behind the scenes, but my realtor at that time mentioned to me that Ray was a large reason escrow went so fast. During the last 5 years of owning the house, the loan was sold twice. When we tried to re-finance over the last year+, we tried to do it with our current lender and previous lender. Both times, we had complications. It was also very frustrating because I always felt I was chasing them down and waiting for responses that sometimes never came. Both times the re-finance fell through. And although I attribute part of that to our own financial issues, I didn't think it needed to be as frustrating of a process as it was both times. Finally, after getting over the emotional toll of having our re-fi fall through twice, I contacted Ray. From the get-go, the entire experience was different. Immediate responses, regular updates, no weird reactions to our finances with the underwriter (which I had never understood the first two times around), a very fast and smooth process all around. Not sure if we'll ever end up doing a loan with anyone else! Two loans, two smooth sailing experiences. read more

I was a mortgage broker for 17 years as well as a realtor and got to know plenty of other lenders during that time. I was always impressed with Ray when we were at the same mortgage company, not only because he was very knowledgeable but very successful as well. I left the business a few years ago to pursue a new career and recently needed to complete what I knew would be a complicated refinance. Ray was able to complete this for me with results far better than I expected, not only with the rate and terms, but the process as well. I held the bar pretty high and it was a great experience. I would recommend him without hesitation. read more