OneRay - Nexa Mortgage

Free professional guidance from your local Mortgage Broker since 1994. We offer a full line of mortgage loan programs for the purchase and refinance of residential real estate at the best possible interest rates for your specific situation. We are driven by the highest standards of integrity, professionalism, communication, and knowledgeable service. Let me be your go to answer guy for everything Real Estate and Mortgage Loans.

FREE PRE-APPROVAL and MORTGAGE PLANNING- OneRay.com/apply

Local office hours are posted for the branch office near CSUF in Fresno, CA. I am often available by appointment outside regular office hours via Telephone, Zoom, Google Meet, WhatsApp, and FaceBook Messenger. Schedule your time here: OneRay.com/appt

Some of our residential property specialties include:
FHA Solar + DPA/DAP Program
Cash-Out refinance HELOC, HELOAN, and Reverse 2nd mortgage loans.
Reverse Mortgage refinance and purchase Loans
DSCR, No Income, No Doc, 1099, Bank Statement, VOE, and all the Non-QM programs. (Min 15% downpayment)
Construction and Rehab financing.
Investor purchase, rehab, and fix-n-flip programs
40 year and interest only options.
Free in-person credit boost session.
Free, No Hassle, No Obligation, PreApproval and Mortgage Planning.
Free Consumer Resources. OneRay.com/fresno_resources.html
Free True Payment Calculator. OneRay.com/piti