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# of Questions Answered
Contact Information
phone: (949) 248-3091
mobile: (949) 246-6340
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Ray J
BROKER | MLO | REALTOR,  HomeLoanDone (Amerimac)
1238 Puerta Del Sol,  #2B
San Clemente,  California  92673
About Me
HomeLoanDone.com
At HomeLoanDone (formerly Amerimac Plaza West Financial), our specialty is the 'no-cost loan'. Visit our website, HomeLoanDone.com to run live pricing scenarios with current rates.

With 20+ years of experience and nearly 1000 closings, my clients range from first-time buyers to seasoned residential and commercial investors. I am reliable and have accurate knowledge of the real estate loan process. My personal commitment to my clients covers the following:
  1. To offer a math-based review of available options
  2. To provide accurate, written quotes from the start
  3. To answer every question throughout the process
  4. To personally handle the majority of the paperwork
  5. To deliver a ‘lock-in’ commitment as soon as possible
  6. To fund on time, and
  7. To increase their financial intelligence along the way.
Give me a call with the details of your current situation and let’s run some numbers.

At your service,
Ray J. Ruddy
BROKER | MLO | REALTOR
| 949-246-6350 | RayJ@HomeLoanDone.com | CalBRE# 01264395 | NMLS# 234935 | HomeLoanDone | Equal Housing Lender | CalBRE# 01160537 | NMLS# 233171 | ph. 949-248-3091 | FAX 949-248-3097 | Good luck happens when preparedness meets opportunity |

Dept. of Real Estate License Broker #01264395
http://www2.dre.ca.gov/PublicASP/pplinfo.asp?License_id=01264395
NMLS License #234935 Nationwide Mortgage License System & Registry
http://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/234935
Better Business Bureau A+
http://www.la.bbb.org/Business-Report/Amerimac-Plaza-West-Financial-13021366
Trust Link 5 Star Rating
http://www.trustlink.org/Reviews/Amerimac-Plaza-West-Financial-205716984
License Information
CalBRE#01264395 NMLS #234935
Employment History
BROKER , Sunset West Financial
Privately Held;1-10 employees;Agents and Brokers
January 1999 - Present (20 Years 9 Months)
Responsible for supervision and control of the activities requiring a license which are conducted, on behalf of the corporation, by its officers and employees.
(MLO) Mortgage Loan Originator, HomeLoanDone
Privately Held;1-10 employees;Agents and Brokers
January 1999 - Present (20 Years 9 Months)
Negotiate agreement between borrowers and lenders. Interface with the client to gather supporting income, asset, credit, and REO documents, prepares loan application, disclosures, packages file and communicates with underwriting, assembles underwriting conditions, schedules closing and reviews all documents throughout the process.
REALTOR, Sunset West Financial
Privately Held;1-10 employees;Agents and Brokers
January 1999 - Present (20 Years 9 Months)
Assist in property search, access, and comparison. Write offers for buyers. Negotiate with sellers.
Education
Ray J has not entered any Education Information
Client Testimonials
3/11/2013
“Thank you”
Great to work with. Very good with detail. Thank you for making this process "easy"! I have referred several friends.
11/6/2012
“Working with Ray J is a pleasure!”
Hi Ray J! Thank you for working overtime to lock in our phenomenal rate (+ cash!) and saving us from the G-fee! I know the process was a little more complicated this time, and I recognize and appreciate your extra time and effort. You're awesome!
9/25/2012
“Finally a broker that delivers all he promised :-)”
From day 1, Ray J took his time getting all the docs and lock done to meet the length of time we need to fund. he promised a no cost no fee 15 yrs refi, and delivered it 1 week ahead of schedule.! Highly recommend him, he's great. THANKS, M.
9/7/2012
“Owner”
Ray J was fantastic....very responsive and knowledgeable I highly recommend him.