OneRay - OneTrust Home Loans

Mortgage Lender in Fresno, CA - 1702 E Bullard Ave Ste 104 (NMLS 1397055)
Open today until 6:00 PM
Header image for the site


Rates flat as homebuilders remain upbeat, retail sales jump, and jobless claims drop.

The January NAHB Housing Market Index matched market expectations of 75...

Learn more

Jobless claims fall for the 4th week in a row.

Initial weekly jobless claims were lower than expected (214K vs. est. of 220K). The more...

Learn more

A fun look back at the homes of the 1920s

It has now been 100 years since the start of the Roaring '20s when flappers danced...

Learn more

Rates flat as the services side of the US economy shows improvement.

Services: ISM Non-Manufacturing PMI for December hit 55.0 vs. est. of 54.5...

Learn more

Jobless claims edge lower to 222,000 to end 2019.

The Challenger-Grey Job Cut Report showed a big drop in announced corporate layoffs...

Learn more

US housing construction jumps 3.2% in November.

November building permits were much better than expected (1.482M vs. est. of 1.410M)...

Learn more

What? Paying off a credit card can make your credit score drop?

It feels like a bait and switch. In an effort to improve your credit, you sacrifice and work hard to pay off a credit card...

Learn more


3 months ago
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.
- Dan M
3 months ago
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.
- Aracely M
a year ago
Thank you Ray for everything. The experience from start to finish was perfect. Ray updates you weekly with the progress and what needs to be done. He is always available for questions and takes the time to explain everything. Couldn't be happier and would recommend Ray to family and friends
- Jared S

For Home Loans. OneRay is the Right Way

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 our best rates and programs that are currently available as well as the RIGHT program for your needs and desires.
  ✰ ✰ ✰ ✰   

FREE Consultation & PreApproval. 
Seriously! I love talking about mortgages and real estate. 
Contact me today:
    ❈ Cell/Text:      (559) 346-7238
    ❈ eMail:   

   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. IRS 20% interest rebate program. Lost your home in the crash? Buy again now! Less than perfect credit programs. Jumbo loans over $453,100. 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. Rehabilitation loans. Our best loan is the one that meets your needs.


Licensing, privacy policy, and more information is available at:

Contact Us


Call now
  • (559) 346-7238
  • (559) 235-9457
  • (559) 446-2882


Get directions
1702 E Bullard Ave Ste 104
Fresno, CA 93710
United States

Business Hours

Mon:8:00 AM – 6:00 PM
Tue:8:00 AM – 6:00 PM
Wed:8:00 AM – 6:00 PM
Thu:8:00 AM – 6:00 PM
Fri:8:00 AM – 3:00 PM
Sat:1:00 – 4:00 PM
Sun:10:00 AM – 2:00 PM
Get quote
Message sent. We'll get back to you soon.