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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

I have been playing music since my teenage years and I love the collaboration that a band needs to come together for a great performance. 

As a Loan Originator, I believe that there is a similar “jam” as all of our mortgage band members come together to present you with the best possible home financing solution. I bring the same passion and dedication to work as I do in making music. To me, each loan is its own amazing piece of music and determining the best loan for your individual situation is like discovering the right combination of rhythm and lead to make a song come alive. What’s best is that our focus is to make YOU the star, putting you front and center of the band. We can then stand at the end of the performance and take a bow to cheers all around knowing that we ROCKED this loan! 

For decades, my musical approach has consistently helped the people I work with: 

First-time homebuyers 

Move-up homebuyers 

Self-employed borrowers 

Owners of rental properties 

I make the complex mortgage lending experience simple, transparent and affordable and I offer a diverse line of loan options to give my customers the most appropriate loan to make their home financing dreams a reality! 

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Testimonials

Testimonials
4.96 out of 5.0 stars
5.0
5.0
4.92
5.0
Sharlene
Mar 31, 2025
Clarkston, WA
Verified

Ray was always in contact with us.
Debbie
Mar 31, 2025
Clarkston, WA
Verified

I was on the sellers side of the transaction and you still keep me informend as much as you could of what was happening on the loan. I appreciated that.
Chris
Mar 31, 2025
Clarkston, WA
Verified

Ray was responsive and able to get answers for our mutual clients whenever they had them. I highly reccomend Ray Wallace and will gladly refer him to my clients in the future.
Kara K
Mar 26, 2025
Verified

Ray is our go-to contact for our real estate needs. He is extremely knowledgeable and has solutions for any obstacle that may arise. We were beyond impressed with his efficiency and dedication to a successful process. He goes above and beyond for his clients!
Kara
Mar 24, 2025
Pullman, WA
Verified

Ray is amazing. He has answers and solutions for everything. He goes above and beyond for his clients and is extremely efficient and knowledgeable.
Patti
Mar 24, 2025
Pullman, WA
Verified

Ray is always available when needed, as great options to share and creates a great repoir with clients!

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Awards

Causes & Memberships

member of Guild Giving
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NMLS ID #363664
I am authorized to do business in the states of Idaho and Washington.