Reine L. Ray
NMLS# 215973


Home loans tailored to fit your needs.

You only think about home financing a few times during your life ~ we think about it every single day. It's your home and your future. It's our profession and our passion.

Our Team at Academy Mortgage is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Texas. Whether you are a first-time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage professionals can help make your dreams come true.

Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.

We specialize in the following Mortgage Loans:

•Home Purchase Loans

•Home Refinance Loans

•Cash Out Home Loans

•Jumbo Home Loans

•FHA Loans

•VA Loans

•USDA Loans


Working with honesty and integrity to get you a home.


Reine L Ray



Find the solution that fits your needs.

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.


Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.


Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.

consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the texas department of savings and mortgage lending, 2601 north lamar, suite 201, austin, texas 78705. complaint forms and instructions may be obtained from the department's website at a toll-free consumer hotline is available at 1-877-276-5550. the department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. a written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. for more information about the recovery fund, please consult the department's website at

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Trusted. Experienced. Secure.


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