"Lending isn't black & white these days... it's about The Gray's!"
Our goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing.
We take pride in thoroughly educating our customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program.
Whether you are a first time home buyer or seasoned owner, you can trust us and our team with all of your home financing needs.
ASKTHEGRAYS

Jimmy Gray NMLS ID: 250157;
CA- CA-DOC250157,
WA - MLO-250157

Lori Gray NMLS ID: 256641;
CA- CA-DOC256641,
WA - MLO-256641
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Ryan Gray NMLS ID: 248108;
CA - CA-DBO248108

Justin Gray NMLS ID: 938635;
ID - MLO-20645,
CA - CA-DOC938635,
WA - MLO-938635
Buying?
Don't go into house hunting without a pre approval. They might not let you in. Contact us today!
Refinancing?
Take advantage of today's low rates by refinancing your current home. Our team is ready to help.
Selling?
We work with many amazing Realtor® partners who we would love to set you up with. Let's chat!