Lance Ray

Sales Manager
1751 Third St, Ste 101, Norco, CA 92860
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NMLS: 271157
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Lance Ray is the best loan officer around!!!!!!

Spencer N. | August 2018

Lance Ray was our loan person. This was the second home we have purchased with him. He is the best.

David H. | August 2018

Lance Ray at the Norco office is the best!!!

Stephanie R. | July 2018

Our loan officer Lance was great to work with.

Gordon C.

Once again Lance Ray was superb to work with! A++++

Christopher D. | July 2018

Lance was amazing to work with! Very efficient and made things very easy. Easiest part of our home buying process. We have used Lance five times now and have never been disappointed.

Ryan Z. | July 2018

Lance is extremely responsive and pleasant at all times. It is like he is tireless.

Melissa K. | July 2018

Lance Ray is extremely professional and knowledgeable. As first time buyers, we had a lot of questions, and he not only provided prompt, thorough responses—he often anticipated our next question!

Shannon H. - June | 2018

Lance was amazing and a huge help. If we ever buy again we will definitely be contacting him.

Brian K. | June 2018

Great communication from beginning to end and always there to answer any questions that I had.

Jason R. - June | 2018

Lance Ray is the best!

Todd H. - May | 2018

I would only use Lance as my loan officer. He was very accessible and answered all my questions. I trusted he had my best interest in mind as he was guiding me through my first refi. I wish I had him as my loan officer when I bought my home.

Tia D. - May | 2018

Hard to believe a loan could go so well!!!

Christopher W. - May | 2018

Would like to give special thanks to Lance Ray. I've used Guaranteed Rates multiple times and Lance has been amazing. From A to Z he has you covered. He's upfront and honest with the whole process, he's always there when you call. Sometimes applying for loans can be difficult and not once have I felt that way with Lance. Since the first time I used Guaranteed Rates I knew I wasn't going to anyone else because of Mr Lance Ray.

Bruce J. - April | 2018

Lance is the best!!

Gerald F. | April 2018

Lance was our loan officer and was exceptional. He was always available to answer questions, and made the whole process go so smooth. If you want to close a deal quickly Lance knows how to do it!

Brandon H. | May 2018

Lance was great!

James L. - Chino Hills, CA | FEB 2018

Lance is very knowledgeable, ethical, and FAST! He saved us over $27,000 on a recent loan. A realtor friend of mine recommended him, she does a lot of business with Lance and calls him "her magician" cause he gets stuff done fast, and pulls off feats of wonder for her and her clients. It was a good referral! Highly recommend working with Lance at Guaranteed Rate.

Karen O.- Long Beach ,CA | August 2016

Thanks to Lance my loan process was very easygoing and well explained. Any question and concern that I had he made sure I was well informed!

Jose G. -Chino,CA | MAY 2016

Lance was very easy to work with. Always answered my phone calls and emails very promptly and provided answers to all of my questions. He made the process go as quickly as possible and has a very positive attitude.

Alexander P.- Los Angeles,CA | MAY 2016

Lance was great. He was specific about what he needed. He stayed in constant communication, so I always knew where I was in the process. I greatly appreciate how meticulous he was.

Marissa P. -Long Beach, CA | MAR 2016

Lance was both professional as well as accessible throughout the process. We were able to collaborate in making an informed decision about the loan for our rental property. His ability to see the bigger picture and provide valuable information in a timely manner was extremely helpful and appreciated.

ROBERT B. - Rancho Santa Margarita, CA | Dec. 2015

When I refinance with Lance Ray, everything goes smoothly every time. I don't stress over anything, because I know he takes care of making sure the process is smooth. Lance Ray kept me informed of my loan's progress throughout the entire process. Great communication.

Matthew S. – Signal Hill, CA | SEP 2015

Lance Ray was extremely helpful from beginning to end. He answered all my questions and was always accessible.

James E. – Corona, CA | SEP 2015

Our loan consultant, Lance, was amazing! He had everything completed quickly and answered all questions that we had. It was a stressful time for us and Lance made it so much easier.

Pierre J. – Stanton, CA | AUG 2015

Lance Ray was wonderful. He helped us with every step along the way and was very punctual and reliable.

Matthew B.– Whittier, CA | JULY 2015

Lance Ray is simply the best loan officer I have ever worked with. He knows the rules upfront, sets expectations, and delivers every single time.

Matthew S. – Signal Hill, CA | Mar. 2015

Lance always made himself available for questions and kept me informed throughout the entire process. Lance made the process super easy!

David B. – Fontana, CA | Feb. 2015

Lance and his team showed great attention to detail throughout the process! I have already referred them to a dear friend!

Jerry L. -- 8/28/2014

Lance Ray is the most experienced, kind, and forthright person I have ever had the pleasure of dealing with! He has excellent communication skills and he explained everything in great detail.I would highly recommend him!

Kris Ann A. -- Norco, CA 7/28/2014

“Lance Ray is the best in the business. He has great communication skills and is very helpful every step of the way. Lance makes financing, refinancing and new mortgages a less stressful process. Go see Lance and he will give you his heart and soul and do his best to help you in every step of the process…GUARANTEED!”

Kris A. – Norco, CA – 7/2014

I don't think anyone could have been easier or better to work with! I'm keeping Lance's phone number in case I know of someone looking for a loan or refi!

Gary M. -- Lomita, CA 6/30/2014

Lance Ray was extremely helpful and explained everything throughout the entire process. My experience with GR was smooth and problem free thanks to Lance Ray!

Guadalupe A. -- Corona, CA 6/12/2014

Best in the business for sure! Lance Ray and the Norco, CA team are awesome beyond words! He answered all questions and was always available via phone, cell or email! Easiest process ever! Thanks Lance!

Leticia F. -- Lakewood, CA 4/30/2014

Lance Ray was professional, responsive, and great to work with. Best experience i ever had with a loan officer. Best experience i ever had through a loan application process.

Paul G. -- Long Beach, CA 5/7/2014

“Lance Ray was a FANTASTIC partner in our home purchase! Being our first home, we had several questions that came up along the way and Lance was patient, knowledgeable and made the experience a breeze. If you're looking to finance your home, be sure to give Lance and the team at Guaranteed Rate a call!”

Tish F. – Long Beach, CA – 4/2014

“Guaranteed Rate is an amazing loan company to work with! Lance was available anytime to answer all of our questions and look out for our best interests. Thank you guys for all of your help and for closing our loan so quick!”

Ashly F. – Long Beach, CA – 3/2014

Lance Ray was professional, attentive, and quick with the process. I couldn't have asked for a better experience.

Michael C. -- Lake Forest, CA, 2/11/2014

I've refinanced many times and I have to say this was the best loan experience that I have ever had. That's saying a lot, especially in today's lending environment. Our loan officer Lance is top notch and is supported by a great company. He had a lot of confidence in the appraisers they used, underwriters, and processors. And they all came through. I have already referred him to family members and am looking forward to working with him again.

Sanford S. -- Signal Hill,CA 1/27/2014

"We just got our first house and Lance Ray from Guaranteed Rate is amazing. He was extremely helpful. We will definitely recommended and I approve it!"

Chris D. -- Downy, CA. -- 11/2013

"Everything went very well. I enjoyed that I could receive updates and check the loan status on your website. Lance Ray was very impressive, his level of professionalism and expertise far surpasses that of most professionals. 100%! I will use them in the near future. My girlfriend and I feel blessed that we had the opportunity to work closely with Ray. He was always "so on top of things" and executed as promised. I was never let down by Ray. You are lucky to have him, he's a huge asset to...

Aryan S. -- Beverly Hills, CA. -- 8/ 2013

“Lance Ray is a category of his own in terms of excellence and was absolutely key to getting this loan processed in the short amount of time we had. I owe Lance a huge debt of gratitude for his incredible work. I cannot give him any higher level of praise! I will happily use Lance in the future for loans because both Lance and Guaranteed Rate were excellent."

Jonathan G. -- Glendale, CA. --5/ 2013

Hey check out the amazing review from Kimberly about Lance! “This is my first home purchase and everyone kept telling me the whole process is horrible, well that couldn't be further from the truth. I can't thank him enough, I will share my experience to whoever will listen and make sure they have Lance's number if they are in the market. Lance was amazing, answered any question, helped me while on vacation, walked me through all the paperwork and he turned escrow around it 2 weeks. Lance was...

Kimberly G. -- Corona, CA -- 04/2013

Hey check out the amazing review from Porfirio about Lance! “Lance provided great efficiency, we were kept abreast of what stage we were in and the appraisal was done quickly and professionally! We wanted a company we could rely on and you came highly recommended! We are happy to do business with you again and refer to friends!”

Porfirio M. -- Covina CA -- 04/2013

Hey check out how thrilled Stacey was with Lance Services! “Thanks for closing my loan! Lance Ray is the best!!! I moved into my very own condo in Long Beach today.I am SO EXCITED! Thanks for a fast, well-serviced closing, Guaranteed Rate!! Cheers to the next chapter!”

Stacey Z. -- Long Beach CA, -- 01/2013

This was a fantastic experience! Lance Ray is a top notch professional and very responsive. His expertise was second to none, which resulted in a very easy path to completing this loan.

Brent D. - San Clemente, CA 9/2012

Thank you Guaranteed Rate! With Jake Stokes, and Lance Ray, guiding us gently through the entire process, we were able to close escrow in 21 days. .. We recommend Guaranteed Rate for anyone who appreciates professionalism (and a small bit of hand-holding) throughout the mortgage-obtaining process. What was so confirming about the entire process was that it was our real estate agent who turned us on to Guaranteed Rate, for we were unaware of the companies existence…

Robbie and Bill S. Yucca Valley, CA 2/2012

Everything was perfect. From the moment I spoke to Lance to the closing of Escrow he made me feel like I was his only client. I could call at any time and ask any question and he was always helping me and never rushed me off the phone... ...Everything was smooth and Lance is great! Customer service was exceeded when I received a follow up phone call a few days later to see how things were going with the new house. I am a Raving Fan!

Sydney H. - Riverside, CA 9/2011

Both myself and my wife were extremely pleased with the performance of Guaranteed Rate Inc. in helping us purchase our home. We were particularly happy with Lance Ray. I can't say enough about how helpful he was throughout the entire process. I would definitely use the company again, and would recommend the company to family and friends with enthusiasm. I was recommended to Guaranteed Rate Inc. by a colleague at my job.

Erik S. - San Dimas, CA 7/2011

About Lance

Lance attended Cal State San Bernardino on a basketball scholarship and graduated with a degree in Mathematics in 2003. After graduating he immediately went into the mortgage industry following in his brother's footsteps working for First Choice Funding Group until joining Guaranteed Rate in 2009. He has helped thousands of clients with home loans closing nearly $1B in business over the past 12 years. He now lives in Norco with his wife and baby daughter.

He credits his success to a commitment of outstanding customer service creating a smooth mortgage experience. With a vast knowledge of the industry, constant communication and understanding of the mortgage process he is able to simplify the mortgage experience for consumers. All of this has resulted in a large percentage of his business coming from referrals and repeat business.

Lance interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business for 9 years. I was inspired by my brother Ted
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Fixed rate mortgages are safer as your payment will not change however ARM loans offer a better interest rate which if managed correctly can be very helpful short term
What are the top 3 misconceptions people have about the home loan process?
1.) Loan officers are unfair 2.) The loan process will be hard and difficult 3.) interest rates available, the radio frequently advertises rates that are not realistic
What provides you with the most satisfaction in your job as a Loan Officer?
The fact the we can provide superior service along with a fair product
Tell us something that makes you unique or something wacky, yet interesting about you?
I tell the truth all the time, I find that this is unusual now amongst people

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