Ray Williams is a U.S. military veteran with nearly 30 years of experience in residential mortgage lending. He is deeply committed to helping individuals and families achieve the dream of homeownership, especially those who serve, or have served, our country. As the current Past President of the Mortgage Bankers Association of Alabama, Ray is a respected leader in the industry with a strong reputation for service, mentorship, and integrity.

Throughout his career, Ray has made it his mission to support not just clients, but also his colleagues. He takes pride in mentoring teammates and helping them grow in their mortgage careers, creating a culture of care and professionalism wherever he works.

Ray especially values the opportunity to assist active-duty service members and fellow veterans in navigating the mortgage process. With firsthand understanding of military life, he is honored to guide them toward homeownership with the respect and attention they deserve.

Outside of his professional work, Ray enjoys spending quality time with his family and continuing his personal mission of uplifting others, whether it’s through finding the perfect home loan or building strong, supportive professional teams.

Ray’s approach to mortgage lending is simple: Treat every client like family and every teammate like a partner. It’s a philosophy that has shaped his career and continues to drive his success.