Halcyon Home Loans, Snohomish, WA

Gary Ray helped us with our first mortgage and contacted us years following to discuss refinancing in the current market to reduce our rate and mortgage payment and he seamlessly made it happen. Gary is amazing! He is professional, communicates with you through the whole process, and an all around great guy! I would recommend Gary to anyone and everyone looking to purchase a new home or refinance. He truly cares about his clients and makes you feel so comfortable with the process! I will always go with Gary Ray!

Michael Dormer is the best in the business. How do I know? I've been a real estate agent for two decades. I started working with Michael several years ago. We have had great success. He assisted me with my own personal refinance. Michael took amazing care with my son's home loan. He was a first time buyer. The experience was beyond great. I have referred Michael to all my buyers as well as anyone looking for a refinance. He also has a secret weapon. A tool like no other. It makes working with buyers so easy. I have the buyer's qualifications at a click of a button. No more waiting for the loan officer to call you back when in a stressful multi offer situation. I STRONGLY recommend Michael Dormer for all your real estate finance needs.

Gary Ray has been a tremendous help to me and my family. We've worked with Gary for the purchase of my first home and through two refinances and couldn't have imagined a better individual to work with. Gary is very accessible, communicates each step of the process with you, and is extremely knowledgeable of best practices, industry knowledge, and great advice. My family and I thank him for being there for us and would highly recommend contacting Gary.

I have recommended Gary Ray with Halcyon Home Loans personally to family & friends, and now am happy to recommend him to you as well. Gary was very helpful in every part of the lending process. He made the process of getting a loan low stress because he is super knowledgeable and always in communication. I worked with Gary Ray on our mortgage, and then a few years later he helped saved us a significant amount of money on our monthly payments when we refinanced.

I would recommend Gary Ray to anyone who is looking for a refinance or original mortgage. Gary was very knowledgeable and helpful, and timely answered any questions we had. He contacted us a few years after our original mortgage to let us know we could likely get a better rate in the current market and substantially reduce our monthly payment. Gary is one of the best - always professional, always responsive, and a super nice guy.

Michael is always a pleasure to work with. He goes above and beyond for every transaction, no matter how big or small. Very easy to work with, excellent communication, and great at his job. Looking forward to working with him again in the future!

Gary Ray recently helped me with my first home purchase and was an absolute pleasure to work with! … More

Michael is a true professional and provided exceptional service every step of the way. He did everything in his power to facilitate a smooth transaction. His communication skills are top tier and we were never left wondering about anything. Thank you!