Ray Fausner, an expert on any loan, will always do his best to match any competitor's deal and even beat it, if possible. Trust an Experienced Mortgage Broker for the entire State of California... a local family man too. Click on email above. No speaking to Indonesia, India, or foreigners. Ray is in Ventura, County, California. He will do his best to complete any type of loan from Single Family to Commercial good credit to bad, full documents to stated. See below.