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Contact Information
phone: (559) 346-7238
mobile: (559) 346-7238
fax: (559) 420-0316
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Ray "OneRay" Jones
Fresno Mortgage Loan Officer,  OneRay - OneTrust Home Loans
1702 E Bullard Ave Ste 104
Fresno,  California  93710
About Me
I have been serving Fresno and Central California’s mortgage needs since 1994. You receive the advantage of my knowledge and experience to smooth out the hassles, avoid speed bumps and insure that you get the best rates and programs that are currently available as well as the RIGHT program for your needs and desires.
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FREE Consultation & PreApproval.

Seriously! I love talking about mortgages and real estate.
Contact me today:
  • Cell/Text: (559) 346-7238
  • e-Mail:
Specialties: Home mortgage lending for purchase and refinance of residential properties. I don’t sell Real Estate, Insurance or Am-way and I don’t know anything about replacing the alternator in your Bugatti. What I do exceptionally well, however, is mortgage loans. I specialize in helping people achieve their goals and dreams.
We offer: Zero and low down payment options. MCC 20% interest rebate program. Lost your home in the crash? Buy again now! Less than perfect credit programs. Jumbo loans over $417,000. First time home buyer and down payment assistance programs. Self-employed borrowers welcomed. HECM Reverse Mortgages and Reverse Purchase loans. Under-water HARP refinances. Fixer-upper rehab loans. Debt consolidation. Investment properties. Construction and Rehabilitation loans. Our best loan is the one that meets your needs.
License Information
NMLS 212593
Employment History
Branch Manager, Cypress Bay Mortgage
Privately Held;11-25 employees;FHA Loans
January 2006 - December 2012 (6 Years 11 Months)
Offering FHA, VA, USDA RD, Conventional, HECM, Reverse Mortgages for the purchase and refinance of real estate properties of both owner and non-owner occupied (investor) homes. Offering first time home buyer programs.
Vice President, Northpoint Mortgage
Privately Held;11-25 employees;Agents and Brokers
December 1995 - May 2005 (9 Years 5 Months)
Operations Manager. Sales Manager. Loan Officer. Train loan officers and processors. Create and implement quality control and compliance procedures. Production reporting and analysis. FHA, VA, conforming, non-conforming, sub-prime, hard money and commercial loan origination of builder, Realtor, direct marketing and Internet loans. Loan officer recruitment and oversight.
Loan Officer, Shore Financial Group
Privately Held;11-25 employees;FHA Loans
April 1994 - December 1995 (1 Year 8 Months)
Home purchase and refinance loan origination. Loan products included FHA, VA, conforming and non-conforming.
1986 - 1988
C.S.U.F. - CA St Fresno - Fresno, CA
Elect Eng/Computer Sci
1982 - 1995
FCC - Fresno City College - Fresno, CA
Business / Computer Sci
Client Testimonials