Ray Chadha

  • Mortgage Loan Originator
  • NMLS: 2407123
  • (209) 906-8638
  • 1356 Mitchell Rd Suite B
  • Modesto, CA 95351

Welcome to my website

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.

Mastering Your Mortgage Journey: The Importance of FICO Score 8
Mastering Your Mortgage Journey: The Importance of FICO Score 8
Feb 14 2024   credit score mortgage rates FICO score qualify for a home loan
Understanding your credit score is crucial, especially when it comes to significant financial decisions like applying for a mortgage. Among the various credit scoring models out there, one of the most widely used is the FICO Score 8. But what exactly... Read More
Navigating the New Norms: 4 Rules for Home Shopping in Today's Market
Navigating the New Norms: 4 Rules for Home Shopping in Today's Market
Feb 7 2024   first time buyer first home first mortgage home loan apply for a first home loan
If you've been holding off on buying a house because of mortgage rates, it might be time to reconsider. Let's break down some of the old rules and what's new in the world of home shopping. First up, forget the notion that mortgage rates are... Read More
How Declining Mortgage Rates Are Changing the Real Estate Landscape
How Declining Mortgage Rates Are Changing the Real Estate Landscape
Jan 31 2024   first time buyer first home first mortgage home loan apply for a first home loan
The recent dip in mortgage rates brings promising news. Beyond the immediate impact on affordability, there's an intriguing ripple effect that might just be the catalyst you've been waiting for - an increase in the number of homes available for... Read More
Navigating Closing Costs with Confidence: 4 Tips to Save on Your Home Purchase
Navigating Closing Costs with Confidence: 4 Tips to Save on Your Home Purchase
Jan 24 2024   first time buyer first home first mortgage home loan apply for a first home loan
Owning a home is a significant milestone, but the path to homeownership often comes with its fair share of hurdles. One of the most substantial financial challenges is navigating the closing costs associated with buying a home. While these costs are... Read More

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