Ray Evans is unlike most lenders in the industry as we first provide a Loan Concierge assigned to assist our clients and partners through the process of purchasing or refinancing, this is in addition to traditional processing and loan originator assignments. While many lenders have the 'bare bones' to services and quotes, Ray Evans includes the below list of services before, during and for years after your initial mortgage.  These services have saved our clients thousands over the time they own the property.  We are not a "one time lender and leave" we service you ongoing through our team of experts with over 200+ combined years of mortgage related services.

Our goal is to establish and maintain a business environment of fairness, ethics and honesty.  Element Home Loans & NFM are committed to the deterrence, detection and correction of fraud.

We are committed to making high quality mortgage services available to diverse communities and customers on an equal opportunity basis. Our success at serving a wide range of customers is essential to the economic welfare of the communities we serve and to the continued growth and long term vitality of our company.

Flat Low Cost - We do not charge an origination as is customary. Not doing so makes the financing process much more affordable for clients.

Low Interest Rates - We provide market rates with client options to meet everyone’s goal. With years of experience and 10,000+ closings we have invested in extensive interest rate movements and mortgage backed securities.  Clients and Partners can receive market updates from our market services.

Regular Updates - Each week our team will provides a weekly status update to all persons involved in the transaction keeping everyone on the same page each week until closing. Additional updates are provided at other times during the process, however, we like to make sure all the bases are covered on a regular weekly expectation.

On Time Closing Guarantee - It is that simple!  If you provide documents as requested within 48 hours throughout the process, and we agree to your date at time of application, we will close on time or you pay no lender fees!  (some restrictions may apply)

Lender Listing Credits - For our Realtors and clients who need to sell a home and use us for the purchase financing, we have a wonderfully designed finance option flyer for the home or to hand out to potential buyers.  We offer on average $1,000 off closing cost for the buyer of our clients home as incentive to make your home more desirable..  

Annual Review- As a part of on-going service we check in with our clients each year to review details to make sure goals are met.  We review mortgage balances, amortization schedules, prepayment affects, bi-weekly payments to meet payoff goals, PMI (private mortgage insurance) removal, equity line needs, tax filing advantages and more regardless of your current mortgage servicer.  We allow each client to refer two family members to receive this yearly service at no cost.

Moving Administration - As part of our extended service for clients purchasing we also include administrative assistance for our clients by setting up utilities, water, disposal service, audio/video needs and more.  

Trailing- Spouse Employment Assistance - Due to many of our Passport to Atlanta Business Partner relationships and our on-going effort to maximize our Human Resource relationships with employers of existing clients, we have many ways to promote your resume to our partners. Please let us know if we can be of assistance in this area. 

Travel Planning - provide executive planning for your next luxury vacation with special discounts for all our clients and partners.  As many relocate to the Atlanta area we felt it was important to cater to those needs and more.   We have invested efforts to assist you with car rentals, hotel accommodations, flights, cruises and vacations!  We have exclusive offers and savings for our clients as we are authorized travel agents.  

Passport to Atlanta - You will also have access to many discounts to local businesses and  discounted tickets to area attractions.  Follow us on Facebook for more details.

Homebuyer Privilege Package- After closing receive 'exclusive access' to our online portal of over 200,000 businesses including major retails like Target, ADT Security, Office Depot, Six Flags and more!  Your registration allows you to access to Homebuyer Privileges for 12 months – a year's worth of savings!  Total program savings of up to $7500!

Our Process

We assist in Purchasing or Refinancing your home loan.  Today’s financing landscape is extremely challenging and most offers to purchase will not be accepted without an accompanying letter from the lender stating that you have made application. Most refinances fail to close timely and in the proper product to meet your financial goals. Our team will get you pre-qualified and provide you with a priority home buyer letter within 24 hours of making application. We will also discuss all your loan options, finance planning and current interest rates that are available for each program. A majority of our business is referred to us because of our expertise in managing debt, program matching and our concierge services.             
          
Step One: Pre-qualification & Plan Review
The first step is to call us to discuss your goals and planning for your home loan. If it looks like we are a good fit we will have you start your process by completing the on-line application (we are also happy to meet if you prefer to do this step in person). Once you complete the application it will go directly to Ray and who will then review us then checking your credit history, income, employment history, and evaluate your current assets for down payment requirements if needed. A loan approval or recommendation will be sent within 24 hours. We highly recommend reviewing each tab on this website for all features and services we provide.  Be sure to visit our Market Activity Page for our Smart Phone APP and other tools helpful to your financing. 
       
Step Two: Set Up
Once you receive your loan approval you will have detailed instructions emailed to you allowing you in most cases to 'e-sign' your application (some government loans require you to print and wet sign). You will also be able to upload items needed to process your loan on our secured site.  You can log in to upload documents at anytime during the process by clicking here and then selecting the upload box link.  We will follow up with you to ensure your application details are complete and your file is set up to start the process efficiently.  We will also order your appraisal, title work and any verifications once your documents are in.  Ray will then be able to start the market watch for locking in your interest rate.
                       
Step Three: During Process
Once your file has been set up, Ray will let processing know that your file is ready for the process. He will do a complete review while we wait on inspections and verifications to come back and send you a welcome email within 48 hours from the time she receives your file.  While we do have traditional processing as well as underwriting in house, one of the industry's biggest complaints is asking for the same stuff over and over again. We solve in part with an additional step in the process. Unlike most lenders our additional service and your main point of contact will be Ray your concierge, not processing.  She provides weekly updates on Tuesday to all parties involved in the transaction as well as works with processing for you to ensure a smooth closing. 

Step Four: Closing
Once the loan commitment has been issued (which means appraisal, title and all requested verifications, payoffs and documents from you are in and cleared by underwriting) all parties to the transaction including the buyer, seller and realtors convene at the closing attorney’s office to sign the documents required for transferring ownership of the property. Ray Evans reviews closing numbers as soon as they are balanced with the attorney to ensure a timely and positive experience at closing.  Note our On Time Closing Guarantee no other lender offers.
                   
Before, During & After
Unlike most lenders, instead of spending money on looking for new clients we spend our marketing dollars on staff and services for our clients to make the process the best experience possible.  In turn, we depend on our clients to refer us.  If we exceed your expectations please be sure to mention us.  You will run into alot of friends, family and co-workers during or after your process that could use our services so please be sure to mention us!  Thanks in advance, we can always use your help!