Ray Blindauer

Excellent customer service, very professional, rapid responder, are some of the reasons we chose Ray to look at our refinance. We started our process doubtful, knowing we had a tricky job ahead of us due to my husband and I being self-​employed business owners with 2 mortgages, making for a high income to debt ratio. Ray was hopeful, so we jumped in. His amazing assistant or co-​worker, Matthew Veronesi (mortgage loan originator) took it from there and we worked the rest of the way with him. I will review him separately. Everyone who we worked with from HomeBridge, including the underwriter assistant, Derek, were expedient, courteous and very knowledgable. Our loan closed after many trying situations (all on our part). And, our rate actually lowered during the process, yay!!! We will be starting our net refinance on our send home with HomeBridge in June.
I highly recommend these guys!

My husband and I have done two loans with Ray. One for buying our current house 5 years ago, and another when we re-​financed that same home this past year. When we bought our house, escrow closed in 12 days. That, of course, was a combination of great people behind the scenes, but my realtor at that time mentioned to me that Ray was a large reason escrow went so fast. During the last 5 years of owning the house, the loan was sold twice. When we tried to re-​finance over the last year+, we tried to do it with our current lender and previous lender. Both times, we had complications. It was also very frustrating because I always felt I was chasing them down and waiting for responses that sometimes never came. Both times the re-​finance fell through. And although I attribute part of that to our own financial issues, I didn’t think it needed to be as frustrating of a process as it was both times. Finally, after getting over the emotional toll of having our re-​fi fall through twice, I contacted Ray. From the get-​go, the entire experience was different. Immediate responses, regular updates, no weird reactions to our finances with the underwriter (which I had never understood the first two times around), a very fast and smooth process all around. Not sure if we’ll ever end up doing a loan with anyone else! Two loans, two smooth sailing experiences.

We relocated to Bay Area and had a complicated loan application. Ray helped us getting pre approval through underwriter. The pre approval was an important factor in winning the bid for the house. Once our offer was accepted, the loan closing was a smooth process.

I picked Ray from zillow from the very communication I had with Ray I was very impressed by his ability to address my questions and suggest solutions. I really didn’t expect the excellent attention to the service and detail Ray provides from a broker who is not sitting in front of me. I have worked with on 3 refinances and I recommend him to friends and family.
Not only is he responsive, but he makes it painless. I don’t feel stressed when working with Ray because I know I will get what he promises.

Ray helped me close a great mortgage with Mortgage Services Professionals (JV between Pacific Union and Wells Fargo) very, VERY quickly (just over 3 weeks). Top scores in almost all areas. The one area for improvement is I didn’t realize exactly how/​when the hand-​off would occur with someone internal at MSP, and the internal person wasn’t working on precisely the same schedule at first. We had to push hard, and it is a good thing we had an extra day buffer built in to close and that we were able to fund and close the same day, because we needed those extra days. In retrospect, it was a crazy fast close. I didn’t realize it at the time, and we were very nervous at the end (because we were going across country the next day after closing/​moving) — but everyone pushed hard and got the job done.

Ray was recommended to me by Zillow (I stop by occasionally to check on home sales in my area and Zestimates). I had a relatively difficult refi (moving to FHA to non-​FHA) and it took a lot longer to close than I expected. Ray was very responsive, keeping the process moving along quickly as possible to closing. Very good use of Internet technologies to minimize paperwork and quick turnaround times. Highly recommended.

I am a single mother refinaning for the first time on my own. I had a million questions and Ray answered all of them, sometimes twice. He put me at ease and made me feel very comfortable about the whole process. He was always available and kept me updated every step of the way. He was very professional and knowledgeable and I would and already have recommended him to anyone wanting to refinance. If I buy a new house, refinane again or have any questions about a loan, I would not hesitate to call Ray again.