Thomas Ray

NMLS#2068953
Sr. Loan Officer

Thomas Ray

Thomas is a Navy veteran who has served his country with pride and honor. Now, as a dedicated Mortgage Loan Officer in Hawaii and a VA loan specialist, Thomas brings his passion for finance and unwavering commitment to helping fellow veterans and homebuyers achieve their dreams. With a degree in finance and extensive experience in complex real estate financing transactions, Thomas is a highly skilled professional with a keen eye for detail and exceptional customer service.

Specializing in VA loans, Thomas leverages his military background to provide tailored financial solutions for veterans and active-duty service members looking to purchase or refinance their homes in Hawaii. His deep understanding of the financial markets and up-to-date knowledge of industry developments ensure that his clients receive the best possible guidance and support.

Thomas’s client-focused approach has earned him a reputation as a trustworthy and reliable lending professional. His dedication to making the home buying process smooth and stress-free sets him apart in the competitive Hawaii mortgage market.

When he is not working, Thomas enjoys spending time with his family and pursuing his passion for rugby, a sport he has played for many years.

For personalized VA loan expertise and comprehensive mortgage solutions in Hawaii, contact Thomas today. Let his experience and dedication help you achieve your homeownership goals in paradise.

Today's Rates as of

30 Year Fixed

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VA 30 Year Fixed

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5 Year ARM

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Jumbo 30 Year Fixed

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*Above rates are quoted NO POINTS, Based on 780 credit score, purchase loan, loan amount < $1,149,825 (except JUMBO ) and 20% down (except for VA & JUMBO)