OneRay - OneTrust Home Loans

Mortgage Lender in Fresno, CA - 1702 E Bullard Ave Ste 104 (NMLS 1397055)
Opening at 8:00 AM tomorrow
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Rates flat as building permits hit a 12-year high.

October Building Permits were higher than expected (1.461M vs. est of 1.385M). The SFR component moved...

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Rate markets focus on the Fed, trade, and inflation.

We will hear from Fed Chair Powell twice this week as he speaks before a Congressional Joint Committee...

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Although mortgage rates are still fantastic, they are going up for a while. However, if the economy does not improve in other areas, it may only be a short term spike.

Rates push higher as China says it has agreed with the US to roll back tariffs.

Trade War: Both sides are saying that there is agreement on phasing out the U.S. tariffs on Chinese goods as part of a Phase 1...

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Impending deadline looms for Equifax breach claims.

It's easy to disregard those postcards with tiny print that look official. Or those emails that look like spam...

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The use of home generators: the new normal?

It seems power outages are no longer a surprise these days, especially up and down the West Coast...

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Staying put as you age: the ultimate goal for most.

It used to be that when someone reached old age that they would go to live with their grown children. Or to a...

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Pay for a dorm room or buy a condo? Know what your money gets you.

Many parents bypass university housing and buy a condo instead...

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a month 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
a month 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
11 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

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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