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. ✰ ✰ http://www.OneRay.com ✰ ✰ FREE Consultation & PreApproval. Seriously! I love talking about mortgages and real estate. Contact me today: Office (559) 446-2882 Text (559) 346-7238 eMail Ray@OneRay.com 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.