When choosing a mortgage professional, you need an expert you can rely on. Ross Ray brings dedication, creativity, and passion to helping you achieve your homeownership goals. Utilizing his years of experience, he will listen to your needs and goals and guide and advise you through every step of your home financing journey.
A mortgage is not just a loan—it’s one of the most important financial planning decisions most people will make. Ross is experienced in a wide range of mortgage, property, and borrower types, ensuring he can match you with the loan that is the right fit. Whether you’re buying or refinancing a home, he is dedicated to providing outstanding service to help you save time, money, and stress.
If you’re seeking a trusted home financing expert who prioritizes your needs, contact Ross today to get started!
Every home financing situation is unique. That’s why The Money Store offers a wide range of loan options, so we can help you choose the ones that are right for you. Here’s an overview of the types of home loan products we offer.
Planning to buy a home? Whether you’re an aspiring homeowner or a seasoned homebuyer, we offer numerous home purchase loans to help you achieve your goals. These include options for a wide range of property and occupancy types and down payment minimums as low as 10%, 3%, or even 0%.
Is it time for a new mortgage strategy for your home? With a mortgage refinance, you may be able to reduce your interest rate and monthly payment, eliminate mortgage insurance premiums, replace an adjustable rate with a fixed rate, convert home equity into cash, or obtain other benefits.
Ready to make your dream home a reality? With a construction loan, you can obtain financing to build the home you want. Our one-time-close construction financing even allows you to purchase the lot, construct your home, and finance the finished property, all with a single loan.
Want to upgrade, repair, or expand a home? Get the funds you need with one of our renovation loans. Renovation financing allows you to purchase and renovate a home with a single loan, or refinance and renovate a home you currently own.
Need cash for a large purchase, investment, or expense? Your home may be the answer. With home equity financing, you can take cash out of your home to spend on anything, including paying off high-interest debt, making home improvements, or covering college tuition.
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MLD Mortgage, Inc. dba The Money Store, NMLS ID # 1019 (www.nmlsconsumeraccess.org). Located at: 30B Vreeland Rd, Ste 200, Florham Park, NJ 07932. Phone: 973-805-2000. Licensed by the New Jersey Department of Banking and Insurance, license # 99117842.
MLD Mortgage, Inc. dba The Money Store acquired the naming rights to The Money Store in 2004 and is not affiliated with the original “The Money Store” entity formed in 1972.
Licensed Mortgage Banker – NYS Department of Financial Services
Website authorization by the New York State Department of Financial Services is pending (or not authorized). Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this site.
Mortgage programs are subject to approval based on program guidelines, borrower’s credit and underwriting approval, acceptable appraisal, and clear title. Rates, terms, and conditions may apply. Programs are subject to change at any time. This is not a commitment to lend. Contact your MLD Mortgage, Inc. dba The Money Store mortgage loan originator for full program details and requirements.
