Ray Childs has been in the mortgage industry for over 8 years. No matter what the changes in the market, Ray has always prided himself in providing his clients the best customer service possible. That, paired with his knowledge of products and lending guidelines, has helped Ray assist many clients in securing their home purchase or refinance – quickly and smoothly. At Commonwealth Bank and Trust, there is much pride in making the mortgage process as easy and stress-free as possible. Ray will ensure that you – as a client or a realtor – will always be informed and feel confident of the mortgage process when working with him.