Team Ray & Co.

Team Ray & Co. Welcome to Team Ray & Co.! We're Ranny and Brian Ray, passionate about transforming properties into opportunities.

With a focus on authenticity and sustainability, we build genuine relationships and create a sense of 'home.'

02/28/2026

Many homeowners believe that paying extra toward their mortgage means locking that money away.

And traditionally, that’s true.

But an all-in-one mortgage works differently. While you’re accelerating payoff, your equity remains accessible. That means funds are available for emergencies, opportunities, or life transitions when needed.

It creates a balance between progress and flexibility, helping you build equity without sacrificing liquidity.

Would having that kind of access change how you approach your mortgage?

02/27/2026

What if your everyday cash flow could quietly accelerate your mortgage payoff?

With an interest-only, all-in-one structure, your bank accounts connect directly to your loan. Any excess funds sitting in your accounts can reduce your principal balance in real time.

This means less interest accrues and equity builds faster, without changing how you earn.

It’s a more intentional way of letting your money work in the background while you live your life.

Curious how this strategy works?

02/27/2026

Choosing a mortgage isn’t only about getting approved. It’s about finding a structure that supports your life long term.

Wholesale lending opens the door to broader options. Through Nexa Mortgage, we collaborate with over 240 lenders, allowing us to tailor solutions that align with your financial goals, comfort level, and future plans.

It creates space for flexibility, clarity, and informed decision-making.

When you think about your loan, are you prioritizing lower payments, long-term savings, or adaptability?

02/26/2026

Most homeowners enter a 30-year mortgage expecting it to run its full course.

But what if there were a way to shorten that timeline significantly and save thousands in interest along the way?

An all-in-one mortgage is designed to shift how payments work, allowing more of your money to go toward principal earlier. Over time, this creates momentum, helping you pay off your home in a fraction of the time.

It’s not just about the rate. It’s about creating freedom, space, and long-term financial calm.

What would change for you if your mortgage was gone in nine years?

02/25/2026

For those holding Bitcoin, there’s an emerging path to homeownership that doesn’t require selling your assets.

Bitcoin-backed loans allow you to use your crypto as collateral, with approvals that can move in a matter of days. It creates access to liquidity while keeping your long-term investments intact.

It’s not the traditional route, but for the right borrower, it can open meaningful possibilities.

Have you ever considered leveraging your Bitcoin this way? I’d be glad to walk you through how it works.

02/24/2026

If you have an FHA loan, this might be worth a closer look.

There’s a refinance option designed to lower your rate without the usual layers of paperwork. If your payments have been consistent and on time, you may qualify for an FHA Streamline.

It’s a quieter, simpler way to create breathing room in your monthly budget. And if rates shift again in the future, you still have flexibility to refinance later.

Sometimes financial ease comes from small, well-timed adjustments. Would you consider exploring this option?

What does freedom look like for you? 💭Not the world’s version—but yours. Maybe it’s more time at home. Fewer hours at wo...
07/17/2025

What does freedom look like for you? 💭

Not the world’s version—but yours. Maybe it’s more time at home. Fewer hours at work. Space to say no without guilt. 🌼

In this week’s blog, we’re talking about how to create a vision for financial independence that actually feels like you. Read the full post and start dreaming with your heart, not just your wallet: https://teamrayandco.com/how-to-create-a-vision-for-financial-independence/

Simplifying your finances isn’t about restriction—it’s about peace. 🫶When money feels complicated, it can quietly drain ...
07/16/2025

Simplifying your finances isn’t about restriction—it’s about peace. 🫶

When money feels complicated, it can quietly drain your energy. But when you create simple, intentional systems, you open the door to ease, clarity, and freedom. ✨

In this new blog, we’re walking gently through ways to simplify your finances in a way that supports your wellness and the pace of life you crave. 💸🌿: https://teamrayandco.com/how-to-simplify-your-finances-for-greater-freedom/

Sometimes, independence looks like saying no. Sometimes it looks like cozy nights in, a quiet cup of tea, or the freedom...
07/15/2025

Sometimes, independence looks like saying no. Sometimes it looks like cozy nights in, a quiet cup of tea, or the freedom to create your own rhythm. 💛 This month, we're exploring a softer kind of freedom—the kind that begins within.
⁠
🕯️Modern life independence isn’t about doing it all—it’s about living gently, aligned with what matters most to you.
⁠
Read the full reflection on the blog: https://teamrayandco.com/modern-life-independence-what-it-really-means-today/

☀️ 𝙅𝙪𝙡𝙮 𝙞𝙨 𝙗𝙪𝙯𝙯𝙞𝙣𝙜 𝙬𝙞𝙩𝙝 𝙚𝙣𝙚𝙧𝙜𝙮 𝙝𝙚𝙧𝙚 𝙞𝙣 𝙩𝙝𝙚 𝙋𝙪𝙜𝙚𝙩 𝙎𝙤𝙪𝙣𝙙!From fireworks and hometown parades to lavender fields, food fest...
06/30/2025

☀️ 𝙅𝙪𝙡𝙮 𝙞𝙨 𝙗𝙪𝙯𝙯𝙞𝙣𝙜 𝙬𝙞𝙩𝙝 𝙚𝙣𝙚𝙧𝙜𝙮 𝙝𝙚𝙧𝙚 𝙞𝙣 𝙩𝙝𝙚 𝙋𝙪𝙜𝙚𝙩 𝙎𝙤𝙪𝙣𝙙!

From fireworks and hometown parades to lavender fields, food fests, art fairs, and block parties—you’ll find something happening every weekend.

We’ve rounded up all the best local events so you don’t have to miss a thing. Whether you're planning a family adventure or just looking for a reason to get outside, this list has you covered. 💃🎆🎨

✨ Check it out here: https://teamrayandco.com/whats-happening-in-july-2025-fireworks-parades-and-summer-festivals/

✨ 𝙏𝙝𝙚 𝘽𝙚𝙨𝙩 𝙈𝙚𝙢𝙤𝙧𝙞𝙚𝙨 𝘼𝙧𝙚 𝙈𝙖𝙙𝙚 𝙏𝙤𝙜𝙚𝙩𝙝𝙚𝙧 💛You don’t need a plane ticket or a perfect plan to create memories that last a li...
06/04/2025

✨ 𝙏𝙝𝙚 𝘽𝙚𝙨𝙩 𝙈𝙚𝙢𝙤𝙧𝙞𝙚𝙨 𝘼𝙧𝙚 𝙈𝙖𝙙𝙚 𝙏𝙤𝙜𝙚𝙩𝙝𝙚𝙧 💛

You don’t need a plane ticket or a perfect plan to create memories that last a lifetime. Sometimes, it’s the board games, messy kitchens, and spontaneous dance parties that stay with us the longest.

In our latest blog, we’re diving into the power of shared experiences and how they build deep connections, strengthen family bonds, and shape the stories we’ll tell for generations.
Start making magic out of the everyday: https://teamrayandco.com/how-to-create-lifelong-memories-through-shared-experiences/

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123 N 35th Street
Seattle, WA
98103

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