Ray was amazing. Super knowledgeable and friendly. He answered all of our questions thoughtfully and thoroughly. I highly recommend anyone and everyone to talk to him before making a move in the home buyers market

Ray carried himself in a very professional matter. I like the fact that he’s able to pull up numbers live in front of you to give you an idea of what your mortgage loan would look like. Very friendly guy easy-going great gentleman to work with.

If you're having any doubts or fears about the home buying process, No need to fear when you Ray Jones and his team are here! Honestly one of the best recommendations we could've gotten from a previous client of theres! Ray was on top of everything! He worked amazing with our real estate agent and got us a home in a little less than a month!!! WOW! My husband and I have never been happier with su... More

If you're having any doubts or fears about the home buying process, No need to fear when you Ray Jones and his team are here! Honestly one of the best recommendations we could've gotten from a previous client of theres! Ray was on top of everything! He worked amazing with our real estate agent and got us a home in a little less than a month!!! WOW! My husband and I have never been happier with such an easy smooth process! Like I mentioned earlier if you're having any doubts or fears about the homebuying process, please go to OneTrust home! Ray and his team are quick and on top of everything! Legit got so many compliments from friends and family about how fast we got the home! With the team we had, you can best believe we got it done! Thanks Ray and OneTrust!! Less

This is the second loan that Ray at OneTrust Home Loans have completed for me in the past six months. He and his customer support person, Patti were awesome to work with. I never had to question where we were in the process and everything was completed without any in person contact other than signing the loan docs with the notary. Ray and Patti went above and beyond in helping me to resolve a pre... More

This is the second loan that Ray at OneTrust Home Loans have completed for me in the past six months. He and his customer support person, Patti were awesome to work with. I never had to question where we were in the process and everything was completed without any in person contact other than signing the loan docs with the notary. Ray and Patti went above and beyond in helping me to resolve a previous issue that impacted the closing of my loan. I highly recommend Ray Jones at One Trust Home Loans! Less

Ray helped my girlfriend and I purchase our first home together. He was knowledgeable, patient, and professional. I really appreciated how Ray kept us in the loop and walked us through the entire process. From submitting the verifying documents to finding us the best rate, Ray was there to provide us with valuable information. Even when there was a little hiccup on my end towards closing, Ray wor... More

Ray helped my girlfriend and I purchase our first home together. He was knowledgeable, patient, and professional. I really appreciated how Ray kept us in the loop and walked us through the entire process. From submitting the verifying documents to finding us the best rate, Ray was there to provide us with valuable information. Even when there was a little hiccup on my end towards closing, Ray worked with me to resolve the hiccup quickly. I recommend him to first time home buyers, those purchasing their second home, or refinancing. Less

Very Professional and Knowledgeable. Great Experience Overall! I highly Recommend Ray!

Ray was awesome to work with. Everything went so smoothly I never felt stressed about my part. I would highly recommend him.

This guy is AMAZING! He helped me with my first home purchase Sept 2019. He is a fountain of knowledge. Answers questions, returns phone calls, and answers emails without hesitation. He breaks things down to you in a way that you will understand! He will check all avenues and all possibilities and he will have your back all the way until the end. I searched for a while before I found Ray. There i... More

This guy is AMAZING! He helped me with my first home purchase Sept 2019. He is a fountain of knowledge. Answers questions, returns phone calls, and answers emails without hesitation. He breaks things down to you in a way that you will understand! He will check all avenues and all possibilities and he will have your back all the way until the end. I searched for a while before I found Ray. There is too many people out there that do not know what they are doing. Ray has the experience and the knowledge to meet your needs. I'm really happy with Ray! I wouldn't reccomend anyone else. Less

We refinanced with Ray for a second time and he was extremely helpful in putting a plan together that best suits our needs. He presented a good better best plan which made it easier for us to make a decision. I'm a curious person and sent him too many emails to count and he always responded promptly and kept the communication going during the process. A pleasure to work with and would recommend R... More

We refinanced with Ray for a second time and he was extremely helpful in putting a plan together that best suits our needs. He presented a good better best plan which made it easier for us to make a decision. I'm a curious person and sent him too many emails to count and he always responded promptly and kept the communication going during the process. A pleasure to work with and would recommend Ray to anyone looking for a loan officer. Less

I love when I get to work with Ray on a project. He really knows his stuff. I'm a local realtor here in Clovis California., I can't do my job without without a good lender.

Ray made everything seamless! He had great communication with all parties and was very professional. I would definitely recommend Ray for all your home loan needs!

I have closed many real estate transactions with Ray. He has always went above and beyond for our clients. They have closed and been on time through all his hard effort. He does what's best for the buyers!

Great customer service would highly recommend to anyone looking to purchase a home he goes step by step in what you need and need to know. He makes sure your very well token car of if you ever need a home loan don’t hesitate to go to ray jones at one trust home loans

I have used Ray to purchase a home 20 years ago. He called me a few years back to say he reviewed my loan and I could refinance, lower my interest rate and pay it off faster. Who does that kind of service in this day and age? Ray Jones. I have recommended him to anyone in need of a mortgage broker. He has worked with my children, helping them achieve the American dream of home ownership.

Ray and Patti went above and beyond to help us get our house with zero down even though they encountered several roadblocks. They work diligently and were very detailed orientated in getting the numbers right even though it took several tries. We would definitely recommend them for any home financing needs as they make sure that they do what's best for their clients and are persistent to get th... More

Ray and Patti went above and beyond to help us get our house with zero down even though they encountered several roadblocks. They work diligently and were very detailed orientated in getting the numbers right even though it took several tries. We would definitely recommend them for any home financing needs as they make sure that they do what's best for their clients and are persistent to get the job done! Thanks for great service!!!! Less

RAY AND HIS TEAM ARE ABSOLUTELY THE BEST I HAVE EVER WORKED WITH ,I HAVE NEVER HAD A HOME LOAN GO SO FAST AND SMOOTH .AAAAA++++++++++ THANK YOU SO MUCH RAY

Ray was hands down the best loan agent I have ever worked with. I am self employed and needed special handling due to that and some other issues. He handled it all with ease and got us a competitive rate and closed without any hassle. We will certainly use him in the future.

If you are looking to buy a house and need a lender? Well look no further because Ray @onetrusthomeloan is the ONE!! We just bought our first home and hopefully not the last. It was a wonderful experience. Ray is knowledgeable and has been there every step of the way helping us, guiding to get the loan process done fast and smooth. He's going to be our go to guy for our family and friends from no... More

If you are looking to buy a house and need a lender? Well look no further because Ray @onetrusthomeloan is the ONE!! We just bought our first home and hopefully not the last. It was a wonderful experience. Ray is knowledgeable and has been there every step of the way helping us, guiding to get the loan process done fast and smooth. He's going to be our go to guy for our family and friends from now on. Thanks Ray!!! Less

If you are looking to buy a house and need a lender? Well look no further because Ray @onetrusthomeloan is the ONE!! We just bought our first home! It was a wonderful experience. Ray is knowledgeable and has been there every step of the way helping us, guiding to get the loan process done fast and smooth. He's going to be our go to guy for our family and friends from now on. Thanks Ray!!!

What a wonderful experience I will always have, with Ray Jones leading the way! The clients he represents will always have a full understanding of their financing needs. Ray goes through EVERY variable to ensure not only the terms are exactly what the clients are wanting, but also making sure they fully understand each aspect of this ever changing industry. That kind of personal touch and knowl... More

What a wonderful experience I will always have, with Ray Jones leading the way! The clients he represents will always have a full understanding of their financing needs. Ray goes through EVERY variable to ensure not only the terms are exactly what the clients are wanting, but also making sure they fully understand each aspect of this ever changing industry. That kind of personal touch and knowledge is hard to find in the real estate industry. Truly a gifted and caring industry leader! I always turn to Ray, as he'll know the answer! Less