Ray Gulam - Gulam Home Mortgage, LLC

We work closely with you and our wholesale lenders to ensure you get a loan that suits your needs. We're not just in the business of selling loans; we're in the business of fulfilling dreams. Reach out.

Your real estate agent can make all the difference in the search for your forever home. That's why we partner with real estate experts in your neighborhood to take the guesswork out of the process. Call us for a referral.

I shop multiple lenders to find great rates and products for your needs, getting you to the closing table and into your dream home faster (usually 20 days or less) with wholesale interest rates — some of the lowest in the industry. Call today!

Did you know that your house has a superpower? It's called equity and might be able to help you finance your next big project. Call us to find out more!

Divorce isn't the end, it's a new beginning. Explore your mortgage options with us and embrace your fresh start. Call us!

Dreaming of a home of your own but not sure you have the credit score or savings required to qualify for a mortgage? An FHA loan might be perfect for you! Reach out to learn more.

Tired of sharing walls? Let's find you a place where the only noise you'll hear is the sweet sound of your own peace and quiet. Let's discuss your homebuying options together.

I'm grateful for all the amazing clients I've had the privilege to work with over the years. If you know anyone who is shopping for a new home, I would appreciate it if you would refer them to me. I promise to provide them with the same level of service and expertise that I did for you.

Make the mortgage process even easier by filling out your application online. Our simple portal allows you to communicate with our team and even upload documents like pay stubs with the click of a button.

Want to put a little TLC into your home but you're short on cash? A cash-out refinance might just be what you need. Call me.

If you’re self-employed, there usually aren’t enough hours in the day to get everything done. That's why we offer Bank Statement Loans — sparing you the hassle of gathering tax documents and allowing you to submit bank statements to qualify instead.

Renting is like staying in a hotel — impersonal and temporary. It's time to secure your future with a more permanent solution and become a homeowner. Message me to get started!

You served our country. Let us return the favor by lowering your rate. That could mean lower monthly payments and no appraisal is necessary. Contact us to learn more.

Is there a local museum or historic site in your new area? Spend a day immersing yourself in local history. You might be surprised at what you learn about your new home, or who you might meet!

Home is where the heart is … and the painted walls … and the sunroom … and the privacy. If you’ve ever been curious about the homeowner’s lifestyle, now’s the time to explore your options. Call us to get started today.

Think our job ends when your loan closes? Think again! We're here for the post-process questions and ready for the long haul. Reach out to connect!

Tired of high monthly mortgage payments? Ask me about current pricing for FHA and VA refinances. It could be a fast and easy way to lower your monthly payments. Call me!

Tired of packing and moving every few years? Let's find a place where you can unpack for good. Your journey to homeownership starts here. Contact me today.

Make the most of your money! HMDA data shows that homebuyers who work with an independent mortgage broker save an average of $9,407*. Contact me today to learn why!

Super excited for first time buyers Peyton and Hayden for closing on their first home! Very quick, smooth and easy loan! Thank you Patti McHale Fuller and Whitley Havins Rodgers for all you do for your clients! 🎉

You've tackled self-employment like a champ, now let's conquer the mortgage world! Our unique loan options could let your bank statements speak for themselves. Time to roll up those sleeves and dive into the exciting world of homebuying!

Navigating the world of home loans? Not to worry. Mortgage insurance could help you buy a home with a lower down payment. If you want to learn more, don't hesitate to reach out.

In the world of mortgages, it's not just about finding a lender; it's about finding the right one. I'm not tied to a single lender, which means I can cast a wider net to find the right mortgage solution for your unique situation. Contact me.

Ever considered tapping into your home's equity? With a cash-out refinance, you can! This option allows you to pay off your current mortgage with a new one with a higher amount and get the difference in cash. Questions? Call me!

You've put in the hours and the work. Now it's time to invest the rewards you've earned into the home you always wanted. Call us today to learn about your loan options and let's get started!