OneRay - OneTrust Home Loans

Mortgage Lender in Fresno, CA - 1702 E Bullard Ave Ste 104 (NMLS 1397055)
Open today until 6:00 PM
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Existing home sales rise to 17-month high
August Existing Home Sales were stronger than expected with an annualized sales pace of 5.49M units vs...

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Homebuilder sentiment jumps to the highest level of the year
The September NAHB Housing Market Index hit 68 vs. est of 66, plus August...

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Real estate wire fraud is alive and well. What can you do to prevent it?
There are some red flags you can look for to prevent potential losses...

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Sometimes it seems nearly impossible to achieve the American Dream of owning a home. Armed with information and a plan that you and I build together, you can make that dream come true. It's like turning cauliflower into pizza - sounds ridiculous, but it actually works! Call today to set up you...

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As self-driving cars hit the road, real estate development may take new direction
Planners are anxious about automated vehicles and their potential to reshape development patterns and the urban landscape

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Trade, jobs, and services numbers pushing rates higher
In some rare "official" news, China's CCTV reported that its top trade negotiators will travel to Washington...

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Three things that can move rates this week
Three Things: These are the three areas that have the greatest ability to move rates this week: 1) Trade War, 2) The...

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9 months 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
9 months ago
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!
- Realtor L
a year ago
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
- Monnnæ L

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
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