OneRay - OneTrust Home Loans

Mortgage Lender in Fresno, CA - 1702 E Bullard Ave Ste 104 (NMLS 1397055)
Open today until 4:00 PM
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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

    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.


  • PreQualification and PreApproval

    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 (Please call for outside of posted hours) . ◄ STEP ► ➋.) Pay for your credit report(s) at . ◄ STEP ► ➌.) Collect as much of the needed paperwork as is handy. List: . ◄ STEP ► ➍.) See you are our meeting!! Office location:
  • Credit FICO Boost

    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 (Please call for outside of posted hours) . ◄ STEP ► ➋.) Pay for your credit report(s) at . ◄ STEP ► ➌.) Collect as much of the needed paperwork as is handy. List: . ◄ STEP ► ➍.) See you are our meeting!! Office location:
  • Mortgage Planning.

    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 (Please call for outside of posted hours) . ◄ STEP ► ➋.) Collect as much of the needed paperwork as is handy. List: . ◄ STEP ► ➌.) See you are our meeting!! Office location:


7 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
7 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
10 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.
  ✰ ✰ ✰ ✰   

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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