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phone: (949) 248-3091
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Ray J
BROKER | MLO | REALTOR,  HomeLoanDone (Amerimac)
1238 Puerta Del Sol,  #2B
San Clemente,  California  92673
Client Testimonials
“Once again top notch service!!!”
Hi Ray, I have been meaning to send you an email, but I have been completely swamped juggling the move and work. I just wanted to say thank you for all your efforts during this process. I continually go back to you because I know that you are always looking out for my best interests. In such a stressful time, it is nice to have a person that you trust to guide you through such a rigorous process (especially these days). As you know, I will continue to use and recommend your services to anyone that is looking to purchase or refinance. Hopefully, in the near future, I can get out your way and buy you a drink. Thanks again, it is always a pleasure working with you! Anthony
“Thank you for your help Ray!”
Despite some difficult issues with my refinancing application process, Ray J was professional, efficient, and always available. This is my first time applying for a refinance and he was very informative and patient throughout the entire time. I would highly recommend Ray J!
“Awesome Service! A+!!”
My wife and I want to thank Ray J for his assistance in refinancing our home. The mortgage process is very complex and can be a bit confusing at times. Ray has been very helpful. His depth of understanding and prompt answers to our many questions were much appreciated. With rates so low, I'm surprised Ray even had a chance to address our tiny little San Diego home. Once again, thank you Ray! I will highly recommend you to all my family and friends. AAA+++!!
Ray J has done an outstanding job working with us on a long, complicated and successful re-finance loan. He is very professional and knowledgeable. He responds quickly to all emails, faxes and phone calls. I highly recommend him!
“Great service as always”
I have worked with Raj J for the past decade. There is no one better at the no cost refi. I recommend working with him to all my friends.
“Great, responsive, and professional broker”
Since 2008, I have been refinancing my mortgage on an annual basis because it seems the rate just kept dropping about 1% each year from 2008 to 2012. So I have worked with many brokers and I can truly say Ray J is the most responsive to all my questions, email, and our timeline to get the refi done in time. I have work with others such as and they are no where as responsive as Ray. I would definitely use Ray again and between myself and my wife, we have referred him to about 4 of our friends and family. That has to say a lot about how I enjoyed working with him.
“Went above and beyond...”
Ray J not only got us an excellent rate, but walked us through our refinance every step of the way. It was a pleasure doing business!!
“Thanks for walking it through the process”
I have done had a few mortgages and refinanced many times in the past with and without the help of brokers. A lot of brokers don't worry about every outcome and accept that some stall out. I had a big complication with my refi and Ray J spent time reviewing the problem until he found a solution and took care of it. I would definitely recommend Ray J for loans or refis.
“Fast and Professional”
A professional demeanor, friendliness and "can do" attitude describe my interaction with Ray J. He takes pride in his work and manifests that pride in commitment and dedication to his client's needs. Easy to work with. This is my second loan with Ray J.
“Thank you”
I was referred to Ray by my accountant and another personal friend and was very pleased with the excellent service and how smoothly everything went. Refinancing today is never fun but Ray made it as pleasurable as possible by always being there with a calm voice and having the answers to my questions.
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