Ray Gulam Excel Residential Mortgage LLC Cypress Waters Blvd, Coppell

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.

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!

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.

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.

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.

We just went through the process of buying a new home in Dallas and Ray made the whole experience smooth and easy for us. We are moving from out of state, which is very stressful but Ray never made us feel like we were alone throughout the whole process. He took the time to speak to us on the phone as much as we needed, answer all of our questions thoroughly, explain the process in great detail, and really made us feel at ease during this big move. He is professional, knowledgeable and completely trustworthy. We are forever grateful he was referred to us and highly recommend him to anyone else. Thank you Ray!

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!!!

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.

Ray is a consummate professional always looking in the best interest of his clients. His active communication allowed us to be informed of every critical decision, creating a positive experience in our home buying process. Thank you Ray and the Excel Residential Mortgage company for a delightful experience!

My wife and I are soooo pleased!! One of the more professional experiences we've had. Ray was responsive, expedient, with open lines of communication throughout our entire refinancing process. Recommending all my friends and colleagues!!