Gulam Home Mortgage, LLC

Located in Houston, Texas

Address: 405 State Hwy 121 BYP Suite A250, Lewisville, TX 75067, United States

Phone: +1 972-656-0990

Rating: 5

Services

Wheelchair-accessible car park
Wheelchair-accessible entrance

Photos

Latest AC Repair Services in Houston

Comments

Review 1 (2024-12-10 - Rating: 5)
Ray is a professional- he began with providing the best rate upfront. Transparent with fees and answering all questions! I’d highly recommend working with him on your next loan.

Review 2 (2024-03-12 - Rating: 5)
Ray Gulam was exceptional for my wife and I. As first time home buyers, we had a lot of questions. His guidance and explanations made us feel in control and felt like we understood what was happening and what was next.He is very responsive and always willing to help you out. We felt like he truly was on our side and helped get us all the things we deserved with his experience.

Review 3 (2024-04-02 - Rating: 5)
Ray did such an amazing job with helping us with our loan! He was prompt, answered all our questions with the utmost patience, was available almost all hours of the day to accommodate me and my partner’s crazy work hours, and went above and beyond to help us work through a couple difficult scenarios. We highly recommend Ray for all your mortgage or refinancing needs!

Review 4 (2024-11-05 - Rating: 5)
We wanna thank you Ray for making our home loan so simple, easy and affordable. We will remember your kindness and professionalism, we will certainly tell our friends.

Review 5 (2023-11-29 - Rating: 5)
Ray Gulam made my nephews dream come true with the purchase of his first home. Unfortunately we wasted 7 weeks with another lender that was very slow and didn’t provide approval. Ray got my nephew approved within a week and total process took less than 2 weeks. He was great at communicating and very responsive. My realtor said he was so happy that Ray kept him updated and that he will be using Ray as his lender for all closing. He was very professional and very efficient.I recommmed anyone wanting to purchase a home to contact Gulam Home Mortgage.

Review 6 (2024-03-05 - Rating: 5)
Ray Gulam made the process of buying a home extremely easy. As first time home buyers, he helped answer all of our questions and taught us a lot about how the process was going to work. His online portal made documentation submittal very easy and provided a very safe way to upload personal documents. We really appreciated all the help Ray gave us throughout and would highly recommend his services.

Review 7 (2024-03-12 - Rating: 5)
Ray was amazing! We had several questions as this was our first time buying a home and Ray was so patient and understanding throughout the entire process. We will continue to work with him and will recommend him to all of our family and friends.

Review 8 (2023-10-27 - Rating: 5)
Ray is the best person to contact for any mortgage needs. I was referred him by one of my colleague who used Ray for his mortgage process and I am so glad I spoke to Ray and let him handle my home loan. He is very detailed and guided me on every step from getting pre approval to closing. He treated me like if I was his family member and he made sure I get the lowest rate anyone can offer. I would definitely recommend him and give him 10/10 for his service provided.

Review 9 (2024-04-29 - Rating: 5)
I was nervous and excited for my first home purchase. Ray walked me through every aspect thoroughly and had such great patience with me. This process was easy and enjoyable because of his expertise. I am thrilled to have a wonderful experience to share with everyone! Thank you, Ray!!!

Review 10 (2024-05-01 - Rating: 5)
Ray is by far the most knowledgeable person in this line of work. He made the home buying process painless and all of the information digestible in a way that made it easy to understand. He goes over every line and my fiance and I were left with zero questions.His fees are also FAR less than any competitors. If youre not going to Gulam-- youre doing it wrong. 10/10 would recommend.

Review 11 (2024-07-24 - Rating: 5)
I recently had the opportunity to work with Ray at Gulam Home Mortgage on The purchase of my new home. Ray was transparent and very knowledgeable on rates and was able to optimize based on the current interest rate volatility. He’s a professional who understands the market and passing that knowledge onto his customers. This has been my best experience to date as it pertains to purchasing a home. I highly recommend using Gulam Home Mortgage on your next home purchase.

Review 12 (2024-03-08 - Rating: 5)
We had a wonderful experience working with Gulam Home Mortgage. Ray and his team went above and beyond to help us through each step of the financing process. I would highly recommend Gulam Home Mortgage to anyone interested in pursing a home loan.

Review 13 (2024-12-23 - Rating: 5)
Ray is extremely responsive, helpful, and knowledgeable. I highly recommend him and would use him again in the future!

Review 14 (2022-07-26 - Rating: 5)
Working with Ray on our first ever home purchase has been a wonderful experience. Ray was professional and prompt with his work, and took extra time to explain any questions or concerns I had with the mortgage process. He is friendly, patient and diligent with his clients, and we had the best closing experience, with our realtor even commenting that she has never seen a lender/broker come in personally to a closing before.We highly recommend Ray to anyone that is looking for a mortgage broker.Thank you, Ray! It was a pleasure working with you!

Review 15 (2024-12-01 - Rating: 5)
Ray was always patient, helpful, and very knowledgeable. I appreciated that he was always available to answer questions that I had throughout the entire process.

Review 16 (2021-08-25 - Rating: 5)
This was my second experience with Ray. The first experience was so great, I knew when we needed to move again just who to call. Ray is very professional and great at communicating. He was responsive and supportive to all questions no matter how minor they seemed. I honestly felt he always had my best interest at heart. He made many great recommendations that really helped us get into the best possible situation for our mortgage. I would highly recommend Ray to anyone looking for someone who is professional, knowledgeable and helpful.

Review 17 (2023-08-21 - Rating: 5)
Gulam Home Mortgage, LLC is one of the best mortgage company I ever had seen in my whole life. My recent experience of buying a home is very positive and would like to give him 100/100 point. I found him as an honest, committed and struggle for the good interest of his client. He provided me a peace of mind at every stage of completing documentation.He gave me precious advices. As a result he had locked my interest rate when the interest rate was too low.

Review 18 (2022-11-01 - Rating: 5)
Working with Ray has been incredible and smooth-sailing. We felt really comfortable and fully trusted Ray with finding us the best rate for our new home. He is knowledgable, proactive and truly wants the best for his clients - he went above and beyond to ensure our CDs were accurate which helped us in having a solid closing process. We highly recommend going with Ray for your mortgage needs!

Review 19 (2022-03-02 - Rating: 5)
We have used Ray several times for our lending needs and he is always a pleasure to work with. He is highly knowledgeable, responsive and professional. He is always looking out for our best interest. He is very straight forward and explains the process clearly. Ray stands above the rest and I would recommend him to anyone in need of financing.

Review 20 (2024-08-21 - Rating: 5)
I would like to say my experience was quick and easy and I would refer anyone looking to purchase a home to Gulam. I really appreciate the kindness and swiftnes that they showed me.

Review 21 (2021-06-08 - Rating: 5)
Ray is one of the best in the business. We recently refinanced our mortgage, and with Ray’s advice and expertise, we were able to close quickly and smoothly. He is a consummate professional, and a fantastic person. I can’t recommend Ray strongly enough for all of your mortgage needs!

Review 22 (2021-05-28 - Rating: 5)
Ive used Ray for both a new mortgage, and for refinancing my home. All these years Ive kept a contact for him because I liked the way he handled our new home purchase. Hes been an excellent resource. I always felt informed. If I had any questions or concerns he was always available. I trust him and I wouldnt hesitate to suggest him to anyone.

Review 23 (2022-11-03 - Rating: 5)
Ray helped us so much throughout our home buying experience. He answered all our questions quickly (even past 8pm)With his help our experience was very smooth and easy. Highly recommend Ray for all your home buying needs.

Review 24 (2021-12-31 - Rating: 5)
Ray was awesome to work with! He was so informative and helped us understand the loan process as first time home buyers. He made this experience very easy for us. We would recommend him to anybody!

Review 25 (2021-09-26 - Rating: 5)
Ray did an excellent job with our refinance. He is extremely knowledgable, responsive, and efficient. The whole process was very quick and easy and we were able to get a great rate. I would highly recommend using Ray with Excel Residential and plan on using him for all of my future finance needs.

Review 26 (2022-05-31 - Rating: 5)
100% satisfied.From start to finish it was an easier experience than I had anticipated. Ray was great and easy to work with. Clear and frequent Communication was never a problem. Recommend and trust Ray with your mortgage needs.

Review 27 (2021-05-27 - Rating: 5)
We had a great experience refinancing our house with Ray. We werent sure which way to go about it and Ray gave us the best advise for us. He also worked out a very low interest and helped us along the loan application process. He has helped us with two loans so far and we will definitely turn to him the next we need one.

Review 28 (2022-08-22 - Rating: 5)
Ray was absolutely amazing transferring and closing our house from my dads name to our names The Laniers. My dad had passed back a few months ago and the will was very confusing so Ray spent at least 3 months working with us and never giving up. Most people I feel would have given up after a few months but not Ray he kept going and going until it finally happened.Ray you have no idea the pressure you took off of us and and I will recommend you to EVERYONE. We cant thank you enough.

Review 29 (2021-06-13 - Rating: 5)
Best residential mortgage consultant in town.Very knowledgeable and professional.We had the best experience working with Ray who managed to get us the lowest rate for a Jumbo Loan and closed our refinance within 30 days after locking the rate. Highly recommend him to everyone.

Review 30 (2021-05-31 - Rating: 5)
Very smooth and easy process. Ray went out of his way to make sure we were comfortable with all of the numbers and to answer our questions. He even called us from the golf course to answer my questions. Lol. We were pleasantly surprised by how easily and quickly our refi went. We have already recommended Ray to a couple of people and will continue to do so.

Review 31 (2021-06-02 - Rating: 5)
Ray is an awesome individual to work with! Often times, we would ask him so many questions for us to explain, and not once did he get frustrated, yet instead he would break it down for us to bridge the gap. If you are needing to re-finance your mortgage, Ray is the one you need to work with!

Review 32 (2023-08-20 - Rating: 5)
Hi, we have just moved to TX and we wanted to buy a house, build our equity and save ourselves from paying rent. Ray was very supportive and personally walked us through the process. We closed one week before our closing date and everything went smoothly. Thanks for the support and being there with us at every step.

Review 33 (2022-01-22 - Rating: 5)
Ray was extremely helpful throughout our home buying experience. His quick response time made the process fast and enjoyable. I will highly recommend Ray to all my friends and family.

Review 34 (2022-12-30 - Rating: 5)
We had a great experience working with Ray! Ray was very professional and answered all of our questions in a timely manner. We would highly recommend Ray to anyone who’s in the market of purchasing a home!

Review 35 (2022-07-10 - Rating: 5)
If you are looking to finance or refinance your home I highly recommend Ray Gulam for this service. I used him to recently purchase my home and had nothing but a seamless experience. He is very experienced, knowledgeable and efficient. Thank you Ray!!

Review 36 (2024-11-11 - Rating: 5)
Did a fantastic job helping us with the house purchase process! Was great and available for questions the entire way!

Review 37 (2022-04-29 - Rating: 5)
Where do I even begin with Ray? He saved me literally TENS OF THOUSANDS of dollars over the course of my loan by bringing to my attention a rate lock product in a rapidly inflating market. He jumped through hoops so we could also close early. He took my calls immediately and his response time is great. Thank you Ray!!!

Review 38 (2023-03-21 - Rating: 5)
It was a pleasure working with Ray! He was always available to answer a question and took the time to explain everything clearly. He watched over the entire process and his recommendations saved me money. A true gentleman, I would wholeheartedly recommend him.

Review 39 (2021-07-27 - Rating: 5)
Ray was very professional and easy to talk to. He was very quick to respond each time we reached out. Was very helpful when it came to explaining documents. He made closing very easy and smooth, we didn’t have to worry about anything. He made sure our process in closing was quick and easy!

Review 40 (2021-06-03 - Rating: 5)
Ray did a great job of closing my loan on time even with some last minute changes. He is a total pro and he truly cares about his clients. You are not just a number. Thanks Ray!

Review 41 (2021-06-01 - Rating: 5)
Thank you Ray for helping us find our new home. Ray was great and patient with our needs and what we were looking for to finding our new home. Not an easy task, but he made it possible. We now are settling in our home thanks to Ray.

Review 42 (2021-07-23 - Rating: 5)
Ray helped us get a great rate and was very attentive to our concerns and questions during the refinance process. He presented us with several options and helped us save quite a bit of money each month which was our goal.

Review 43 (2022-01-13 - Rating: 5)
My wife and I are soooo pleased!! One of the more professional experiences weve had. Ray was responsive, expedient, with open lines of communication throughout our entire refinancing process. Recommending all my friends and colleagues!!

Review 44 (2021-08-18 - Rating: 5)
Ray made the experience of purchasing our home comfortable easy professional and timely. I was very impressed with his fast response politeness and definitely patience. I highly recommend Ray Gulam.😊

Review 45 (2021-07-01 - Rating: 5)
Ray was very detailed and responsive while being a pleasure to work with. Strongly recommend for your home loan needs.

Review 46 (2022-07-29 - Rating: 5)
Ray Gulam is the best. He was on top of all the steps to complete the refinance quickly and professional.He was easy to work with and helped us though every step.

Review 47 (2021-06-17 - Rating: 5)
Great experience! Ray was knowledgeable and very attentive to my needs. I never felt pressured or rushed and he took the time to explain everything to me. Would definitely use again!

Review 48 (2021-07-06 - Rating: 5)
Ray was so easy to work with! He made the process quick and easy, explained things clearly, and was professional and caring as well. It was a great experience!

Review 49 (2021-07-02 - Rating: 5)
I highly recommend Ray Gulam! Ray is very professional and so great to work with. He answered all of my questions and kept me informed every step of the way. Thanks so much, Ray!

Review 50 (2024-08-15 - Rating: 5)
Ray is super easy to work with and very knowledgeable.

Review 51 (2021-12-10 - Rating: 5)
Ray was so helpful in making the process easy he was courteous and very helpful I would highly recommend Ray any day!!!

Review 52 (2022-03-02 - Rating: 5)
Working with Ray Gulam with Excel Residential Mortgage was a wonderful experience. Ray goes above and beyond for his clients. Great communication and he is very knowledgeable. We are very pleased with Ray and will highly recommend him to anyone with mortgage needs.