Ray V. has over 19 years of experience in loan origination for residential mortgages, specializing in FHA, VA, conventional, jumbo loans, HARP loans, purchase and refinances, debt consolidation, and credit repair. Ray has held senior positions at Bank of England Mortgage, Emery Federal Credit Union, and Centennial Financial. At Bank of England Mortgage, Ray currently serves as a Senior Mortgage Banker, Manager, and Recruiter.
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