About Ray Gerard Alves

Ray Gerard Alves believes that open and honest communication is the cornerstone of every successful lending experience. With 27 years of industry expertise spanning both residential and commercial lending, he has built a reputation for making complex loan terms clear, understandable, and approachable. Ray prioritizes educating his clients, guiding them step by step from consultation to closing, and ensuring accessibility at every stage. His commitment to clarity, transparency, and client-focused service transforms what can often be a stressful process into a smooth and confident experience.

Work Experience

Ray’s career reflects a deep foundation in both traditional and non-conforming lending:

• 15 Years with wholesale residential lenders, including Washington Mutual, First Bank, Indy Mac Bank, Accredited Home Lenders, and Plaza Home Mortgage.
• 8 Years specializing in commercial, non-conforming, and DSCR lending with IMPAC Mortgage, GreenBox Loans, Inc., and LendSure Corp.
• 7 Years most recently with HS Solutions and Investments, where he continued delivering tailored lending solutions.