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Ray De La Cruz

Loan Originator – Spanish and French Specialist
NMLS#: 750195

Phone: (860) 884-0417
raydlc@stephensmtg.net

Hello, welcome to my page.

Ray graduated from RI College with a degree in International Business Management. He spent the first 10 years of his banking career with Citizens Bank. Ray held positions of Assistant Branch Manager and Business Relationship Manager. Ray is passionate about helping clients realize their dreams by purchasing and refinancing their residential and commercial real estate. Ray was born in the Dominican Republic and is fluent in Spanish. He and his family moved to Danielson From Providence, several years ago. Ray enjoys mountain biking, motorcycling, traveling, baseball, and spending quality time with his family.

Our Loan Process

1: Pre-Approval

A loan pre-approval sets you up for a smooth home buying experience.

2: Shop

Start working with a real estate agent and viewing homes.

3: Loan Application

A few documents are needed to get a loan file through underwriting.

4: Loan Processing

Assemble all the necessary paperwork and details for the underwriter.

5: Underwriting

They closely evaluate all the documentation in the loan package.

6: Closing

Documents are drawn and sent to the title company for closing.

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