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October 2025 by Jeff Hill
Ray was great. From start to finish was always available with himself or his team. Even when an issue happened as we purchased part of the neighbors land which caused delays. He was there trying to work through it with lender. In the end county got line fixed and updated and the loan got closed. Would recommend that anyone needing a loan look here.
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August 2025 by Judy Hinojosa
Ray is the kindness and most honest person. He realy cares about helping people and he's great at it i give him 10 stars
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December 2024 by Josh Biol
I had an amazing experience working with Ray for my mortgage loan. They were incredibly knowledgeable, patient, and thorough in explaining the different concepts throughout the process. I truly appreciated their guidance and expert advice, which made everything clear and easy to understand. They were always available to answer questions and went above and beyond to ensure I was comfortable every step of the way. Highly recommend!
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July 2024 by Julease Graham
We've had the pleasure of working with Ray twice now, and both experiences have been outstanding. Ray goes above and beyond in every aspect of his service. His communication is impeccable, and he explains each step of the process in such detail that we felt at ease throughout the entire experience. Ray's dedication and expertise truly set him apart. We couldn't be happier with the service he provided and highly recommend him to anyone in need of a reliable and thorough lender. we would not be living in our dream house with out his help!
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July 2024 by I R
I’m so grateful for Ray and Patti. They did a wonderful job at refinancing my loan for a divorce buyout. They were fast and provided information and advice along the way to make the process easier to understand. They acted very professional during the process considering it was part of the divorce process. I’m glad I found them by reading three reviews online. They truly are amazing. As soon as the rates drop I will refinance with Ray.
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October 2023 by Juan A
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
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September 2023 by Justin Atchley
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.
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March 2022 by Andy Ventura
If you're having any doubts or fears about the homebuying process, No need to fear when you Ray Jones and his team are here! Honestly one of the best recommendationswe could've gotten from a previous client of theres!Ray was on top of everything! He worked amazingwith our real estate agent and got us a home in alittle less than a month!!! WOW! My husband and Ihave never been happier with such an easy smoothprocess! Like I mentioned earlier if you're havingany doubts or fears about the homebuying process,please go to OneTrust home! Ray and his team arequick and on top of everything! Legit got so manycompliments from friends and family about howfast we got the home! With the team we had, youcan best believe we got it done! Thanks Ray andOneTrust!!
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March 2022 by Sherri Watkins
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!
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November 2021 by Andrea V.
If you're having any doubts or fears about the home buying process, No need to fear when you OneTrust and Ray Jones 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!!
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March 2021 by dhanlin1
Ray was awesome to work with. Everything went so smoothly I never felt stressed about my part. I would highly recommend him.
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January 2021 by Lorren S.
The refi process couldn't have been any easier. Ray is a great guy to work with and is very knowledgeable! I highly recommend OneRay!
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October 2020 by Brandon G.
Buying a house for the first time is a scary process. I didn't know where to start. Lucky for me, I found Ray! He provided me with an actual document that estimated what I would pay and the breakdown of each fee. Ray was there to meet our needs and made the process easy. My girlfriend and I had plenty of questions and concerns about the closing cost and what to expect from start to finish when buying a home. Ray was professional, patient, and knowledgeable. Ray shared value information to save us money by buying down through discount points. Ray also shared information about MCC where I could receive a tax credit each year. If you are unsure of the review, give Ray a call! He will answer any questions or concerns that you may have. My girlfriend and I had our doubts going into it but left his office with more confidence. He had plenty of resources and returned my emails and texts in a timely number. He offered good suggestions and was honest. He worked with us and was able to close on time despite me making a change at the very last minute of closing. I definitively appreciated it that since it would have delayed the process and costed me an extension fee. So whhether you're a first time home buyer or you're looking for that second home, contact Ray. He can also refinance tour house. Good luck!
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June 2020 by Lori S.
Was looking to do a re-fi on my home and saw Ray had great reviews so I decided to call and see if he could help me. He answered immediately and gave me the answers I was looking for. I had called a few other people as well but Decided to give Ray a try since he was pleasant on the phone, seemed knowledgeable and was local. Ray did not disappoint! Ray kept me up to date on everything I needed and was prompt on his emails when I had questions. We had a bit of fun humor with our emails and I would recommend Ray and his team. He's honest, reliable, knowledgeable and looks out for your best interest. 5 STARS in my book.. THANK YOU RAY and One Trust Home Loans for making this re-finance hassle free, quick and virtually painless... Laura...AKA... Lori
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March 2020 by Aracely Mota
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.
