Ray Warda
Loan Officer
We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.
Bio:
As a seasoned Mortgage Loan Originator licensed in both California and Arizona, I bring a wealth of experience and expertise to assist you in achieving your homeownership dreams. With a strong commitment to customer satisfaction and a deep understanding of the intricacies of the mortgage industry, I am dedicated to providing you with personalized solutions tailored to your unique financial needs.
With years of experience navigating the complex landscape of mortgage lending, I have honed my skills in guiding clients through every step of the home financing process. Whether you're a first-time homebuyer or a seasoned investor, I am here to streamline your experience and ensure a smooth transaction from application to closing.
My comprehensive knowledge of both California and Arizona's real estate markets enables me to offer insightful guidance and support, whether you're purchasing a primary residence, investment property, or refinancing an existing mortgage. I am committed to keeping you informed and empowered throughout the process, ensuring you feel confident in your financial decisions every step of the way.
I understand that securing a mortgage can be one of the most significant financial decisions you'll ever make, which is why I prioritize transparency, communication, and integrity in all of my dealings. My goal is not only to help you secure the best possible financing options but also to build lasting relationships based on trust and mutual respect.
Whether you're ready to explore your mortgage options or simply have questions about the home buying process, I am here to help. Contact me today to embark on your journey to homeownership with confidence and peace of mind.
Phone: (949) 872-3397
NMLS#: 1726160
License: AZ, CA
Spoken Language: English
My reviews on Google
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 240 lenders in real-time for you.
- 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the United States. Because we have closed so many loans, we can negotiate and obtain ridiculously low rates from lenders.
- 3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.
OUR ACCOMPLISHMENTS
240+
Number of Lenders
10936+
1709+
Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer
Home Purchase
Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.
Refinance Low Rate
Need to refinance to get a better rate? We will get great deals for your financial plan. As rate is updated in real time from lenders, your refinance plan will just get better.
Refinance Cash Out
A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.
I cannot say enough good things about Ray. We have worked with his team multiple times for the last several years and cannot be more impressed. They are professional, efficient, creative, and go far beyond the extra mile. We have worked on multiple transactions without missing a beat. Ray is extremely knowledgeable and really care about his client. I can’t recommend them enough!!
Ray Warda is the go-to person! He made my refinance experience so fast and easy before I even knew it we were signing closing documents. I am so glad I went through Ray and his team for my refinance. It was a very professional experience and I was kept informed throughout every step of the process! Thank you again Ray and the whole team!.
I highly recommend Ray Warda and his team. Ray is outstanding to work with. He is organized, responsive, professional and very knowledgeable. He stood by his word and made it all as simple as possible. Absolutely outstanding!.
Why Us
Independent Advice.
We commit to always give you independent advice regarding real estate and mortgage options.
Customer First.
We make less per loan than competitors and pass the extra savings to borrowers.
Low Available Rates
You will always get great deals with our real-time pricing engine.
Fast, Convenient, Local Service.
we are just one call away from your requirement.