Lance Ray
Branch Manager/SVP of Mortgage Lending
Lance attended Cal State San Bernardino on a basketball scholarship and graduated with a degree in Mathematics in 2003. After graduating he immediately went into the mortgage industry following in his brother's footsteps working for First Choice Funding Group until joining Guaranteed Rate in 2009. He has helped thousands of clients with home loans closing nearly $1B in business over the past 15 years. He now lives in Norco with his wife and 3 daughters. He credits his success to a commitment of outstanding customer service creating a smooth mortgage experience. With a vast knowledge of the industry, constant communication and understanding of the mortgage process he is able to simplify the mortgage experience for consumers. All of this has resulted in a large percentage of his business coming from referrals and repeat business.
Helpful tools and resources
The Best Mortgage Experience
First-time homebuyer’s guide
Mortgage calculators
Loan options
See my video
Recent reviews
What people are saying
"Very professional ans easy to work with."
Maricela V. - Chino CA | Jul 2022
"Very happy to work with Lance, he was very helpful and well explained every step throughout the transaction."
Martiniano M. - Los Angeles CA | Jul 2022
"Lance is great and super knowledgeable. Super smooth transaction and will continue to use him for all our financing needs."
Razvan P. - Edmonds WA | Jul 2022
"Lance is extremely easy to work with and very organized."
Ann O. - Long Beach CA | Jul 2022
"Everyone was nice and proficient."
Armando T. - Chino CA | Jul 2022
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Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
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Today's rates
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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.
Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
One discount points equals one percent of your loan amount.
Some jumbo loan options may not be available to first-time home buyers.
We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.
Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.
Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
VA
If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.
Adjustable Rate Mortgage (ARMs)
Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.