Jay Ray2025-02-11T09:08:08-05:00
Jay Ray

Jay Ray

Producing Division Manager | NMLS #168692

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jray@directmortgageloans.com

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C: 602-570-1744

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365 E Germann Road, Suite 301, Gilbert, AZ 85297

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Licensed in AZ

Producing Branch Manager Jay Ray from Team Gilbert has a passion for helping others and has over 28 years of experience in the mortgage industry. Throughout his career, he has worked with thousands of people in their search for home loan financing. His lending philosophy focuses on guiding his clients through the lending process, educating them on their financing options, and ultimately helping them to decide on the mortgage option best suited for their long-term needs. In his spare time, Jay enjoys spending time with his wife and three children, coaching Pop Warner Football, and is a USR Certified Speed Coach.

‌Favorite Quote: So I got that going for me.

THE REVIEWS ARE IN…

Direct Mortgage Loans
4.9
Based on 197 reviews
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isis ruiz
20:42 23 Dec 24
Said Sabbagh the best of the best, very detailed explanation, he offer excellent rates , great service. I highly recommend him and this company
Adam Prather, Prather Home Team
16:30 11 Nov 24
Jay Ray has consistently provided world class service and advice to my clients for 10 years. There is no one else I would refer my clients to. He’s always competitive with rates and most importantly does the right thing for the client without exception. Call him!
Jillian Smith
19:13 21 Jul 24
I had a positive experience working with Mike Jones. He was very thorough, and I received my pre-approval in the same day! Highly recommend Direct Mortgage Loans.
Jeff Imergoot
16:06 15 Jan 24
Jeff l
21:52 12 Jan 24
Excellent service and attention to all details. Surprisingly a stress free process. Will recommend all referrals. Jason definitely makes you feel like you are his only client and always available to answer questions. Made my experience beyond pleasant.
Meredith Heth
00:13 23 Dec 23
Katie Canar
04:02 17 Dec 23
Always an excellent experience with top-notch service, excellent communication, and stellar customer service! I highly recommend The Canar Group for all of your lending needs!
Donna Wilkinson
22:38 06 Dec 23
Kristen Shipley at VIP mortgage is extremely knowledgeable and very very willing to go the extra mile for her clients!!
Tylesha Teruel
14:14 19 Oct 23
VIP mortgage has a gem! As a realtor I work with different lenders across the board and hands down Falon takes the cake. Her unwavering commitment to excellence shows through and through and I am grateful to have her as my preferred lending partner!!
Gema Beltran
14:47 30 Sep 23
Bryan and his team were amazing to work with. I was nervous about the entire home buying experience but after working with VIP Mortgage I can say that it was easy, quick, and a positive experience thanks to my team.They were quick to respond with answers and solutions to any unexpected changes and I’m grateful for their hard work. I will be recommending them to all of my friends and family!
Keith Taylor
15:53 22 Sep 23
Sara was awesome! From the first time we sat down with her all the way through getting our keys, she was there for us. She took calls/texts/emails any time my wife and I had a question or concern, day and night, week days or weekends. She was extremely knowledgeable and professional every step of the way. I will be recommending her to everyone I know! Thank you so much for making our dreams a reality!!!
Michelle Lloyd
13:11 31 May 23
Communication was definitely at a high standard. I appreciate the building of teamwork right from the beginning. Jason and the team did a great job helping me bring the best possible value to my client's transaction. We were able to work out the best position for my client's offer. Everything went so smoothly. I will definitely be referring clients to Jason in the future.

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We provide you with a stress-free and personalized home-buying experience. Our knowledgeable team works directly with you to ensure your home purchase goes smoothly.

In under a minute, you can apply for pre-approval by sharing some basic information. If you’re qualified, you’ll get a free pre-approval letter sent to you.

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Based on your personal home financing goals, select from a variety of loan options, including conventional, FHA, VA, and USDA loans.

We also offer popular low down payment home loans, and niche products for specialty circumstances.

With our quick process, and experienced team, you’ll be at the closing table in no time!

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Every loan officer and principal is licensed and stays current on new laws and regulations. Information on our company and loan officer licensing can be found at NMLS Consumer Access.
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