Wanda Ray - NMLS 2082756

03/28/2026

03/25/2026

I don't know if this is for you but...
If buying a home is on your mind this year...
Let's at least see what's possible.
Message me "START" and I'll walk you through it step-by step.

11/17/2025

More than half of U.S. mortgage holders have rates at 4% or lower, and 80% are under 6%, per Realtor.com®. This lock-in effect has kept many from moving. Now, the FHFA is considering a bold solution: a loan that lets homeowners take their low rate to their next home.

10/16/2025

What you need to know is …

Is your debt helping you build wealth or keeping you broke? 😬 Most people are paralyzed by the fear of debt, but the secret is understanding the difference between Good Debt and Bad Debt.

We break down the psychology and the math in this short video: Why a low-interest mortgage can be your biggest asset, and why high-interest credit cards should be your #1 priority to pay off. Watch now to change your money mindset! 👇

Video link - https://youtube.com/shorts/uFKrjJw457k

10/16/2025

Don’t go in blind folded…

➡️ 🏡 Learn what it takes to purchase a home in WA! 🔑⛰️ Receive an overview of local financial assistance options and determine if being a homeowner fits into your future!

👋🏾 Join us for our Homebuyer Education Workshop THIS Saturday, October, 18, virtually on Zoom from 10 AM - 3:00 PM. 🗓️

Our team of Housing Experts will guide you through a series of topics including:

👫🏾 Affordable Programs for First-Time Homebuyers

💰 Applying to Receive nearly Six Figures in Financial Assistance

🏠 Current Programs for Move-Up Buyers (you may not have to sell your property to qualify!)

➕ Breaking Down the Effectiveness of Renting vs Owning

And many more priceless insights into becoming a successful homeowner!

📜 Upon completion of the workshop, you will receive the certification required by WA State Housing Finance Commission to apply for homeownership loans!

🔗 REGISTER for Saturday's Workshop & future Workshops at:
https://urbanleagueseattle.jotform.com/220265288238156

09/29/2025

Do you need money for a renovation or your kids tuition? Contact me @gmail.com to get an application started or if you have any questions call 253-906-5728

Learn how a VA Cash-Out Refinance works, who qualifies, and why it’s one of the best ways for veterans to access cash.

09/19/2025

Did you know that veterans have benefits awarded exclusively to them for their dedication and service, including home loans?!

If you're a veteran, utilize a VA loan! 🇺🇸

Here are the benefits 👇

➖ No down payment required
➖ No private mortgage insurance
➖ Easier credit qualification

For more information on VA loans and how you qualify, leave a comment below!

09/11/2025

Now is a great time to look into how a refinance can benefit your your financial strategy. Looking to consolidate some debt? Maybe take out some cash to do some home renovations or even just to lower your monthly bill? Give me a call today and we can discuss how to maximize your overall savings! Wanda Ray Nmls # 2082756
C- 253)906-5728

05/30/2025

Thinking about buying in Washington,text Home to 253 -906-5728

05/25/2025

Think you can’t buy a home because you have student loan debt ? Think again ! Contact me let’s customize your home loan to fit your needs. Student loans don’t have to be a barrier to buying a home. [email protected] 253 9065728

04/08/2025

When the federal fund rate decreases, it’s true that you’ll probably earn less interest on your cash. But there’s a silver lining to lower rates: Borrowing should get less expensive, too. This is good news if you’ve been thinking about taking out a mortgage. I am your mortgage advisor contact me if you’re interested in buying or refinancing your home. I am licensed in Washington. Text/Call (253) 906-5728