Ray is a highly experienced mortgage professional specializing in assisting individuals and families with strategies for home purchasing, wealth building, and expense management. Since 2013, he has successfully guided clients through unique situations, earning a reputation for his expertise and dedication.

In 2018, Ray partnered with PRMG, drawn by their extensive range of products and a strong focus on customer experience. Currently, he oversees PRMG’s Greater Baltimore operations while continuing to assist first-time homebuyers, existing homeowners, and investors across the Mid-Atlantic region.

A Baltimore native, Ray brings deep knowledge of the area’s neighborhoods and surrounding counties. He is an alumnus of John Carroll High School in Bel Air, MD, and Lycoming College in Williamsport, PA. Additionally, he is deeply involved in Maryland’s real estate community. He is an active advocate for fair housing and a proud member of organizations such as The Greater Baltimore Board of Realtors, the Maryland Association of Realtors, and the Maryland Mortgage Bankers and Brokers Association.

Outside of his professional accomplishments, Ray enjoys spending his free time around town enjoying Baltimore's amazing restaurants, breweries, and vibrant culture..

Ray’s commitment to his clients and his community underscores his passion for making homeownership accessible and empowering individuals to achieve financial success. He welcomes you to contact him with any questions or assistance you might need in your financial journey.

Branch NMLS #75243