Ray picture

Ray Chadha

Loan Officer

(209) 906-8638
Email Me
2130 Geer Rd. Ste. C.
Turlock, CA 95382

I was born and raised in the Central Valley. At a young age, I started helping my family with their construction business, which instilled in me the values of discipline and hard work.

In 2008, I saw the housing market and the economy crash affecting the people in my community.  This created my desire to understand the economy, finances, and accounting so I could help them overcome their challenges. 

I enrolled in CSU Stanislaus and graduated with a BA in Accounting. I began working for one of the largest private fortune 500 companies, as an accountant, tax accountant, and financial analyst. But I knew I could do more.  Now I am applying my drive and experience to the real estate market.

My background in finance makes me the ideal loan officer for you. I use my knowledge of the economy to help my clients understand the mortgage process in the simplest terms, helping them make the best choices for their future. I want my clients to know I am there for them every step of the way.


American Pacific Mortgage. NMLS 1850
"Equal Housing Opportunity"

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