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"We couldn't have asked for better service than what we received. Ray and his staff provided a truly professional level of service throughout the entire process. I wouldn't hesitate to refer friends and family to Ray in the future." 
Charlie Guido – Newburyport, MA

"Ray Chouinard is an excellent mortgage planner. He has assisted me in the purchase of my new home, and the refinance of it. I look to him for professional advice based on my personal situations, and he is always helpful, very knowledgeable and supportive. His team is prompt and professional, and whenever I hear of someone looking for a mortgage company, I unquestionably refer Ray and his team."
Amanda Greaves – Beverly

"Once again, Ray completed the mortgage process on time!"
Brian Raiche – Newburyport

"After being unhappy with another mortgage broker, I called Ray on a recommendation from my real estate broker. He could not have been more helpful. He talked me through everything and was always willing to spend time answering my questions. He worked hard to make sure I got the financing I needed. I would strongly recommend using Ray."
Nicholas Chalupa – Salisbury, MA

"How would you rate the level of service you received from us? EXCELLENT    How would you rate your level of satisfaction with the overall experience in dealing with us? VERY SATISFIED"  
Ethan Branum – Georgetown, MA

 "Ray and everyone else at mortgage financial were extremely helpful throughout the entire process. I've been working with them to secure our mortgage for the last several months, and they have always been quick to return my phone calls and took their time to explain things thoroughly to my satisfaction. I recommend mortgage financial highly."
Patrick Godfrey - Beverly, MA

"Ray was exemplary. Buying a house is intimidating not only because it is such a large investment, but also because you don't do it every day and so you're trying to navigate unfamiliar territory. I was confident that Ray was watching out for me and kept my best interests in mind. I will tell everyone I know to use him."
Elizabeth Isler - Swampscott, MA

"Ray and his team were "on it" every step of the way. Thanks guys!"
Cathleen O'Connell - Waltham, MA

"Ray Chouinard is a real professional. He was very knowledgeable, insightful and was willing to take the extra time to insure I got more than I needed in service and rates. I would strongly recommend Ray to anyone when looking for a mortgage, whether you are a fist timer or have much experience in buying. Thank you Ray"
Pamela Walker - Amesbury, MA

"Ray Chouinard and his entire team at Mortgage Financial did an excellent job in making my refinance transaction a smooth and worry free experience. From start to finish, I always felt as if I had a very responsive, and very capable team of professionals taking care of me. Everything happened as expected and on time. I would be happy to recommend Ray and his team to anyone looking for mortgage financing."
Jeffrey Stelman - Lynnfield, MA

"We had a wonderful experience with Ray and his team! Ray was very accomodating, and helped us understand this process that was very foreign to us"
Michelle Bond - Amesbury, MA

"This was our second time using Ray and Mortgage Financial for a mortgage and we were just as pleased the second time around. It was a super easy process as far as mortgages go and Ray and his staff were great to work worth. Highly recommended!"
Sean Dolen - Winthrop, MA

"Ray took the time to listen to what I was looking for and was able to tell me that my goal was achievable. He guided me along the process in a personal yet professional manner. Most importantly, I felt I could trust Ray and his staff were working in my best interest."
E. Driscoll - Marblehead, MA

"Ray has assisted us with refinancing our mortgage twice now. He and his team are very helpful, professional and prompt in their responses. They are a pleasure to work with."
E. Tarkinson - Stoneham, MA

"Very easy, working with Ray and Christine was such a pleasure. Will use them again in the future."
N. Coppola - N. Andover, MA.

"Ray and his team were great to work with. The team was easy to get a hold of and very responsive to all of my emails. Ray explained everything very well in a way that was easy to understand. Ray made the mortgage process easy and stress free."
K. Borton - Melrose, MA

"Ray and his team were phenomenal! We were First time homebuyers and I had a lot of questions and concerns along the way. Ray was always ready with an answer for me (easing my nerves!). Having that kind of support during a very stressful time was extremely important for a homeowner newbie! From beginning to end our experience was A++++. Thanks again Chouinard Team!"
M. Amico - Lynnfield, MA

"The entire process from the first initial contact to my closing was excellent. I was always kept informed of any related issues or just a courteous "checking in" email. I felt my financial needs were addressed and met my expectations for my purchase. Mortgage Financial has a client for life!"
C. Arsenault - Haverhill, MA 

"Ray was amazing as always, all my clients that I recommend to him, have nothing but praise for him. He has a very calming affect on buyers at a stressful time, when buying."
Angela Alexanian -  Keller Williams Realty

"Ray made the whole process as clear and easy as it possibly could be. Thank you so much for all you hard work!"
J. Cranney - Haverhill, MA

Raymond Chouinard, Loan Officer NMLS #23326
LendUS, LLC DBA Mortgage Financial
10 Elm Street, Danvers, MA  01923
Direct:  (978) 739-9599 Ext. 2120