Jay Ray

Jay Ray

Loan Officer


NMLS ID# 168692

10609 N Hayden Rd Ste 100, Scottsdale, AZ 85260 | Branch NMLS# 2646348

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About Me
I have been in the mortgage industry since 1998, having been in senior management and/or ownership of small to mid-size banks in the Phoenix, AZ market. Most recently, I came from Direct Mortgage based out of Baltimore, and prior to that was at VIP Mortgage for 8 years. I was born in Casper, WY, raise in Tempe, AZ and currently reside in Gilbert, AZ. On my spare time, I am a volunteer coach for youth athletics, primarily track during the last 10 years. Prior to that, I was involved with youth football. I am married to my wonderful wife, Amber and have 3 kids: Jaedyn (24) who works with me here at CMG, Jackson (22), who just completed college football, and my youngest daughter Jacyn (21) who works in the dental field. I love football, track and Mixed Martial Arts. As a licensed CMG Home Loans Originator in Arizona (NMLS # 168692), I can assist you with your home loan needs, including: • First-time purchase • Second-home purchase • Refinance • FHA and VA loans • Conventional loans • 203(k) Renovation loans • Jumbo loans I welcome the opportunity to serve your needs with quick and accurate real estate financing advice. I have the expertise and knowledge and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation. Feel free to contact me anytime by phone or email for personalized service and expert advice. I will extend the same professional service to your friends, family members, work colleagues, or neighbors who need help.

Delivering the right loans for the right reasons in a way that exceeds all expectations. That’s our business. Since 1993, CMG Financial, has served home buyers and homeowners nationwide with all of their new purchase and refinance needs. All CMG Loan officers specialize in new purchase and refinance mortgage needs to help borrowers make informed decisions.


Our diverse mortgage menu helps us find financing solutions for almost every borrower. We are dedicated to finding more ways to open more doors for home buyers. Find out what “Every Customer, Every Time. No Exceptions, No Excuses.” means to us!