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Matthew Ray

Branch Manager

  • 1915 Courson Ct, Ste 100
    Leeds, AL 35094
  • NMLS 201940
    Licensed in: Alabama, Arkansas, Florida, and North Carolina
Ray_Web

About Matthew Ray

Matthew Ray is a Mortgage Loan Originator who helps families—from first-time buyers to seasoned investors—confidently navigate the lending process, no matter their financial background. With over 22 years of experience serving the Birmingham metro area, Matthew combines deep mortgage knowledge with a genuine heart for service.
He’s known for going the extra mile, tailoring his approach to each client and offering a personal touch that sets him apart. Communication, problem solving, and relationship building are at the core of everything he does—grounded in a faith-driven commitment to serve with integrity, kindness, and care.
Whether he’s untangling complex tax scenarios or guiding someone through their very first home purchase, Matthew brings empathy, clarity, and a steady hand every step of the way.
If you’re looking for a mortgage partner who listens, leads with heart, and gets it done—Matthew is here to serve.

Let me guide you home.

Loan Calculator

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Includes principle and Interest only. This calculator is assuming that 2% of your total payment is dedicated to tax and insurance. This is not always true and can alter the results.

Remember, this is just an estimate – not a legal commitment. Interest rates change often, and your actual rate, payment, or costs may vary. Talk to a mortgage banker today for more information.

See Terms of Use

Includes principle and Interest only. This calculator is assuming that 2% of your total payment is dedicated to tax and insurance. This is not always true and can alter the results.

Remember, this is just an estimate – not a legal commitment. Interest rates change often, and your actual rate, payment, or costs may vary. Talk to a mortgage banker today for more information.

See Terms of Use

Includes principle and Interest only. This calculator is assuming that 2% of your total payment is dedicated to tax and insurance. This is not always true and can alter the results.

Remember, this is just an estimate – not a legal commitment. Interest rates change often, and your actual rate, payment, or costs may vary. Talk to a mortgage banker today for more information.

See Terms of Use

Includes principle and Interest only. This calculator is assuming that 2% of your total payment is dedicated to tax and insurance. This is not always true and can alter the results.

Remember, this is just an estimate – not a legal commitment. Interest rates change often, and your actual rate, payment, or costs may vary. Talk to a mortgage banker today for more information.

See Terms of Use

Includes principle and Interest only. This calculator is assuming that 2% of your total payment is dedicated to tax and insurance. This is not always true and can alter the results.

Remember, this is just an estimate – not a legal commitment. Interest rates change often, and your actual rate, payment, or costs may vary. Talk to a mortgage banker today for more information.

See Terms of Use

Includes principle and Interest only. This calculator is assuming that 2% of your total payment is dedicated to tax and insurance. This is not always true and can alter the results.

Remember, this is just an estimate – not a legal commitment. Interest rates change often, and your actual rate, payment, or costs may vary. Talk to a mortgage banker today for more information.

See Terms of Use