We are committed to providing Personal, Courteous, Professional, Experience.
We understand that a home for most clients, is the largest investment they have. Our job is to help you professionally manage that debt. We know that there are many options for mortgage services, and appreciate you choosing us! Our goal is to exceed your expectations...
ray evans
Ray has years of experience in real estate and the mortgage industry as first a realtor, then mortgage lender. In 2007 he joined Element Home Loans and has the experience and industry knowledge to assist clients in making wise decisions in how to manage their mortgage.
Originally from Savannah, Ray grew up in Gwinnett County, and attended college in Kansas, and later attended Bible College. He enjoys the lake, college football, golf, the beach, motorcycles, snow skiing, and being with family and friends. Married since 1985, Ray & Laurie have one son and one grandson. They are active in their church. Ray’s moto is to “Finish Strong” in this adventure called life. This means being an available vessel for God as needed.
melanie drake
Originally from Louisiana, Joined the United Stated Navy in 1990 was part of Operations Dessert Storm. Moved to GA in 1994. Married to my Spouse Jansen for 28 Years we have 4 Children Devonte, Dominique, Jansen Jr, & Kyle two Grand kids Bryleigh and Braylon. I joined Element in June of 2016. In my spare time I enjoy spending time with my family traveling, shopping, cooking, and hanging out with friends.
chad mccollough
Chad is my processor who packages loans for operations and works with them on clearing conditions. He will be in touch as needed for documents and serve your needs to make the transaction a pleasurable experience. Chad is a family man who loves outdoor activities, being with family, and college sports.
the rest of our team...
is behind the scenes to assure you have a wonderful experience. We pride ourselves in working like a village, by pulling resources as necessary to fulfill the needed role in providing you a "Wow" experience. We are confident you will experience the same great service that many others have already!
Element Home Loans
Our headquarters is in Atlanta with branch locations having local decision making authority to offer mortgage loans for residential properties primarily in the southeastern US, and the ability to handle mortgage financing in a total of 49 states. We think that the current environment still offers great opportunities, and expansion in additional locations is planned thru new branches, and loan officers.
Element Home Loans offers a better way for the mortgage professional to serve the home buyer on a local level, while having the power of a national mortgage bank. Our goal is to provide the home buyer with the most experienced loan experts, excellent rates, low flat fee, provided a wide variety of mortgage programs, unbeatable service levels, and a worry-free home financing experience, whether the client is buying a new home or refinancing.
We also provide Reverse Mortgage options to give seniors the ability to live in their home with no monthly mortgage payments by converting their home equity into cash while still maintaining ownership!