Raymond Garbiras, NMLS ID 1880191

Ray made applying for a mortgage almost painless. He is knowledgeable and willing to take the time to explain how and why of the application process. I would recommend him.

Ray and FCM provided high touch service, supporting me every step of the way!

Great attitude, honesty and responsiveness.

Here’s a quick #MortgageTip: Make one extra payment every year! That could save you up to 5 years off your mortgage!

Curious about some difficult mortgage terminology?

Here are 3 reasons to select as your Mortgage Lender: 1. I have a lot of referrals! I have helped so many people find the home of their dreams and at the best rate. I’m that I can help you achieve that same goal. 2. I make a personal with each of my clients! I want you to be sure that you’re in the right hands. My client’s confidence in me means everything.... 3. I make things easy for you! Not only do I guide you through the process, but most of my capabilities are all online. Getting preapproved takes no time at all! Want to get started? Give me a call today! (706) 318-5696 .@. See more