OneRay - OneTrust Home Loans

Mortgage Lender in Fresno, CA - 1702 E Bullard Ave Ste 104 (NMLS 1397055)
1702 E Bullard Ave Ste 104, Fresno, CAOpening at 8:00 AMOpen today until 6:00 PMOpening at 8:00 AM tomorrowOpen today until 3:00 PMOpening at 1:00 PM tomorrowOpening at 1:00 PMOpen today until 4:00 PMOpening at 10:00 AM tomorrowOpening at 10:00 AMOpen today until 2:00 PMSorry, we're closed
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Updates

Posted on Mar 18, 2019

WHAT HAPPENS IN BRITAIN CAN AFFECT THE U.S HOUSING MARKET
Sometimes it’s hard to believe that what is happening overseas could affect us here in the U.S. — especially our housing market. According to Realtor.com's Claire Trapasso, however, even though Britain is “across the pond” from America, gr...

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Posted on Mar 18, 2019

CROOKS ARE OUT TO GET YOUR IRS REFUND:
Are you saving your money for a down payment on a home or for a renovation to the one you currently own and are counting on that tax refund check for 2018? The Internal Revenue Service (IRS) officially began accepting tax returns on January 28, 2019. And as...

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Posted on Mar 14, 2019

TRADE, BREXIT, AND HOUSING LOOM OVER MARKETS
Mortgage rates are moving sideways so far today. The MBS market worsened by -4 bps yesterday. This was not enough to worsen rates or fees. The rates experienced low volatility yesterday.

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Posted on Mar 12, 2019

RATES SLIP AS THE ECONOMY SHOWS LITTLE SIGNS OF INFLATION
Mortgage rates are moving slightly lower so far today. The MBS market was unchanged yesterday. This caused rates to move sideways for the day. The rates experienced low volatility yesterday.

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Posted on Mar 9, 2019

PRESCRIPTION THEFT IS NOW AFFECTING THE WAY THE REAL ESTATE INDUSTRY DOES BUSINESS

The opioid epidemic is no longer news, which (sadly) makes it something Americans seem to be living with every day all over the U.S. The medical community and law enforcement agents have been battling its rise for...

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Posted on Mar 7, 2019

US RATES TICK LOWER AFTER ECB CUTS GROWTH FORECASTS.
Mortgage rates are moving sideways so far today. The MBS market improved by +8 bps yesterday. This may've been enough to slightly improve mortgage rates or fees. The market experienced low volatility yesterday.

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Posted on Mar 5, 2019

SERVICE SECTOR IS ON FIRE WHILE RATES CONTINUE TO TREND SIDEWAYS.
Wow, the February ISM Non-Manufacturing had the 4th best reading in 20 years and handily beat market expectations (59.7 vs est of 57.3). This is more important than last week's ISM Manufacturing release as this represents more than...

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Posted on Mar 4, 2019

RATES TICK HIGHER AS GDP NUMBERS SOAR PAST EXPECTATIONS:
Mortgage rates are moving higher so far today. The MBS market worsened by -7 bps yesterday. This may've been enough to worsen rates or fees. The rates experienced moderate volatility yesterday.

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Posted on Mar 1, 2019

HOW CAN YOU TELL IF A DEBT COLLECTOR IS LEGIT?
It can be tough when you fall behind on debt. Not only do you feel diminished and often helpless, but at one point you may feel “attacked” by debt collectors. How do you know which of these emails, calls or letters is legitimate and which ones are me...

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Services

Home Purchase Loans

  • Conventional - Agency

    Includes Fannie Mae (FNMA) and Freddie Mac (FHLMC)
  • USDA - Rural Development

    100% - nothing down home loan for rural areas like Fresno County, Madera County, Kings County, San Benito County, and Monterey County.
  • VA - US Veterans Benefit

    100% - Nothing down for US Veterans. Easy qualify.
  • FHA - US HUD

    Federal Housing Administration home loans. Low down and easy qualification.
  • Cal-HFA - California Housing Finance Authority

    Low down and assistance programs for First Time Home Buyers. (FTHB) ZIP and CalPLUS options available.

Add-on home loan programs and options

  • MCC - 20% IRS Rebate Program

    $350.00
    Mortgage Credit Certificate program where the IRS gives you back up to 20% of the interest paid on your mortgage each year!
  • Cal-HFA & ZIP

    Down payment assistance programs to make your down payment and/or pay closing costs.
  • Fresno County HAP

    Homebuyer Assistance Program pays up to 20% down payment and closing costs in Fresno County.

Services

  • PreQualification and PreApproval

    $14.25
    Mortgage credit report, qualification analysis, and program advise for getting the best home loan for your situation. ◄ STEP ► ➊.) Schedule an appointment with Ray at OneRay.com/appt (Please call for outside of posted hours) . ◄ STEP ► ➋.) Pay for your credit report(s) at https://credit.creditplus.com/smartpay/SmartPay.aspx?uid=6b0aa5a0-29c7-434b-893e-33c26d1bee09#forward . ◄ STEP ► ➌.) Collect as much of the needed paperwork as is handy. List: OneRay.com/needs . ◄ STEP ► ➍.) See you are our meeting!! Office location: OneRay.com/map
  • Credit FICO Boost

    $14.25
    Mortgage Credit Report PLUS one hour consultation on boosting your credit score to get a home loan or a better home loan. ◄ STEP ► ➊.) Schedule an appointment with Ray at OneRay.com/appt (Please call for outside of posted hours) . ◄ STEP ► ➋.) Pay for your credit report(s) at https://credit.creditplus.com/smartpay/SmartPay.aspx?uid=6b0aa5a0-29c7-434b-893e-33c26d1bee09#forward . ◄ STEP ► ➌.) Collect as much of the needed paperwork as is handy. List: OneRay.com/needs . ◄ STEP ► ➍.) See you are our meeting!! Office location: OneRay.com/map
  • Mortgage Planning.

    $0.00
    Not everyone is able to purchase a home today or even should. Get your personalized plan to be in the best position and ready to go when the time comes. ◄ STEP ► ➊.) Schedule an appointment with Ray at OneRay.com/appt (Please call for outside of posted hours) . ◄ STEP ► ➋.) Collect as much of the needed paperwork as is handy. List: OneRay.com/needs . ◄ STEP ► ➌.) See you are our meeting!! Office location: OneRay.com/map

Testimonials

3 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
3 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
6 months 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.
   
  ✰ ✰ OneRay.com ✰ ✰   

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

   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.

* *  ONETRUST HOME LOANS IS AN EQUAL OPPORTUNITY LENDER  * *

Licensing, privacy policy, and more information is available at:  https://onetrusthomeloans.com/lo/rjones


Contact Us

Contact

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

Address

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