Ray is the BEST! Ray is knowledgeable, experienced and professional. But most important he is a great listener. From the first time we met to the closing, Ray was there to guide me through the process alleviating all my concerns and stress. He was always available for questions (and I had many). Loved working with him...he is kind, great sense of humor and always thinks and does what is best for his client. I never felt pressured even when problems came up...Ray would say, "let me worry about that". Highly recommend! Pat