Lance Ray

Jun 19, 2026

The talent that this guy has is astronomical. Values the loan industry like he values the triple. Dudes a beefcake too. Young and fast

Consistent excellent costumer service. My situation was fairly simple but Lance treats me like a million dollar customer. Always has time for me. Helps me understand my funding options. Great communicator.

Communication was great. High degree of trust in Lance

Outstanding overall experience and timely execution

Lance is the best in the business. Hands down

Lance has great communication and quick response time.

It was a smooth and efficient process and I felt well connected and informed

Very easy to use, everything is electronic and online. Not the very best rate or anything, but the convenience probably makes it worth it rather than trying to find the absolute best rate

The lender I worked with, Lance Ray, is literally the best in the business.

Jun 8, 2026

No written review

Lance made the process so smoothly. He guide us all step by step very professionally. We are so glad we have a knowledge Lender. Thank you so much

May 17, 2026

Was a great resource and willing to talk about any questions. Great rates and would definitely use Lance again when I purchase any other property.

May 11, 2026

Lance was fantastic to deal with Very Professional, knowledgeable, and quick to reply or handle things Would recommend him to anybody One of the best out there

May 1, 2026

I work in the industry as an agent and a buyer. Lance always has a pulse on the market, great communicator and his loans always feel on course.

Apr 30, 2026

Great experience with Lance.

Apr 13, 2026

It was a pleasure working with Lance. He was in contact throughout the entire process and quick to answer any questions. I highly recommend him!

It was a pleasure working with Lance Ray and his crew! We were fully supported every step of the way from the initial call to the final closing.

Great experience everytime

It was an easy process thanks to Lance Ray..

Great and smooth service

No written review

Because Lance Ray helped me along the way. Answered all my questions at any time , great to work with, and closed fast everytime

No written review

Feb 9, 2026

A+++++++ all the way around. Highly recommend to anyone purchasing a home!

Feb 4, 2026

I had an excellent experience working with Lance Ray at Guaranteed Rate. From start to finish, Lance made the entire mortgage process smooth, clear, and surprisingly stress-free. He’s extremely knowledgeable, responsive, and has a great personality that makes you feel confident and comfortable throughout what can otherwise be an overwhelming process. Everything was handled efficiently, communication was top-notch, and there were no surprises along the way. Lance truly goes above and beyond to make sure you understand your options and feel supported every step of the way. I couldn’t have asked for an easier or more positive experience and would highly recommend Lance to anyone looking for a mortgage lender they can trust.

smooth process

Lance Ray was on the ball from start to finish. He ensured that everything was processed in a timely fashion, gave me polite reminders to get paperwork finished, and explained things that didn't make sense to me. Rarely do I experience client care like that.

Lance Ray was fantastic and I had a smooth experience with my re-fi. Gabby the notary was very pleasant and make the process very easy.

Lance is so awesome to work with. He is fast to respond, he always guides us well on timing to lock our rate and his team is efficient. The rates are always the best too.

Fast communication, friendly interactions, patient support, and detailed explanations throughout the entire process.

Jan 10, 2026

I can’t say enough good things about working with this Lance. From the very beginning, he was incredibly friendly, responsive, and genuinely invested in making my mortgage happen. He was extremely aggressive with rates, constantly working to get me the best possible terms, and he explained everything clearly so I always knew what was going on. What really stood out was how proactive and on top of everything he was, there were no delays, no confusion, and no stress. He made the entire process smooth and efficient, and when obstacles came up, he handled them immediately and made things happen. If you’re looking for a loan officer who fights for your rate, communicates well, and actually delivers, this is the guy you want. I would 100% recommend him to anyone looking to get a mortgage. He will walk you through every step of the way.

Dec 17, 2025

I had an excellent mortgage refinance experience working with Lance. From start to finish, the process was smooth, efficient, and far less stressful than I expected. Lance was professional, knowledgeable, and always quick to respond, making sure I understood every step along the way. He worked diligently to secure a great rate and kept everything on track without delays. His clear communication and attention to detail gave me complete confidence throughout the process. Any questions I had were answered promptly and thoroughly. I truly appreciated Lance’s transparency and dedication, and I couldn’t be happier with the outcome. I highly recommend Lance to anyone considering a mortgage refinance and would absolutely work with him again in the future.

Dec 15, 2025

Lance is our go to Lender for our personal property, investment property and we refer him to our clients. He is the most efficient lender I have ever worked with. His communication is on point and his rates are always the most competitive. I give Lance a 5 star review without any hesitation every time for consistent results and excellent service.

Dec 13, 2025

Thank you, Lance Ray for your expertise in completing my complicated house loan just 8 days. Your commitment and attention to detail made this process possible, whereas a large bank had taken almost 2 months with endless requests without any endpoint in sight.

Dec 6, 2025

No written review

Nov 2, 2025

Lance and Konstantine made my purchase cake walk.So glad I chose them.They never got frustrated from all of my questions and came thru in the clutch.5 stars definitely

Oct 29, 2025

Lance came highly recommended to me by a friend who had worked with him before. I quickly saw why. He is a complete professional. Phone calls and texts were returned quickly, questions thoroughly answered, and I felt informed through the entire process. The next time I need a home loan, he will be my first call.

Lance Ray and the Rate team were professional, honest, totally available when we had questions and they got the job done seamlessly. We are very happy with their service and particularly with Lance Ray.

2nd time using GR. Great customer service

Lance was always avail able and helpful with any questions

Outstanding communication

Oct 14, 2025

Absolutely seamless, no funny business, and professional refi. Couldn’t have been a better experience. Lance and his team had great communication with us and everything happened as scheduled and promised.

Sep 28, 2025

Out of all of the stress in the home buying process, never did I worry about Lance and his team. He made sure we were on schedule, made sure our rate was the best available and helped us close on time. We are so lucky to have been referred to Lance. Thank you for everything!

Sep 1, 2025

Lance handled our refinance with professionalism and care. He walked us through all of our options, answered every question, and made the process seamless. In the end, he was able to save us $400 a month on our mortgage. We’re so grateful for his expertise and would absolutely recommend him to anyone looking to refi

Aug 20, 2025

Lance Ray provided us with excellent service! Professional, friendly, accurate, efficient, above and beyond my expectations with patience and guidance throughout the entire process. Thank you so much!

Aug 20, 2025

The easiest refi I have ever done. Answers the phone 24-7.

Aug 16, 2025

This is the 5th time we have worked with Lance. Lance was very helpful from the beginning until the end. He was patient with us throughout the process and clear on expectations at every step of the way.

Efficient, knowledgeable, communicative

Very professional, prompt, honest, and diligent.

Lance’s Team worked very efficiently and the customer service was great. Lance is very knowledgeable.