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James Scott Ray

Senior Sales Manager

NMLS ID#: 82440

State License #: GA# 60954


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About James

I am here to assist you with all your mortgage needs. I will help you consider a whole range of factors regarding your lending needs whether you're purchasing your first home, a second home or refinancing. I will make every effort to simplify the lending process with step-by-step guidance from application to closing.

I am committed to providing you with the best customer service available. If you want to get started on a home loan, contact me today.

Office Details

Street Address

11020 David Taylor Drive
Suite 415
Charlotte, NC 28262



What Clients Say

Just wanted to say again that Jamie was great. Kept us informed, returned calls immediately, and was very helpful through the whole process. He made it a pretty painless procedure and we appreciate all he did for us. Email communications from others were well taken care of and the closing was very efficient and friendly. Thank you again.

Michael G., 07/23/2018

A big “Thank you” to you and your Team for helping us through the loan process. We are very excited about the new house and look forward to making many happy memories there. We will be sure to recommend your company to friends who may be looking for a mortgage. Best Regards -

Haydn and Laura B., 05/04/2018

Mr. Ray kept us informed at all times during the process of the loan. Always answered questions to our satisfaction. Mr. Ray handled everything in a timely manner. Kind and caring!

- Greg B; 8-22-2017

"I was referred to New Penn Financial from a respected Real Estate Professional in our community. I have been through this process a number of times over the years, but honestly, none have run as smoothly as this particular transaction. The key difference was the knowledge of James Ray based in the Charlotte, NC office. James made sure that the requirements were clearly communicated, and was quick to my concerns / questions every step of the way. My experience with New Penn Financial was in sharp contrast to another nationally-recognized bank that took 14 months to complete a simple refinance that had no cash coming out. The total length of time with New Penn Financial to process our VA Loan from beginning to end was approximately 60 days, and could have actually been closed in 45 if it were not for my personal schedule. Thank you!"

Joseph S

“The key to our decision to use New Penn Financial was from a professional referral that linked us up to James Ray from your Charlotte, NC office. James was instrumental to making our experience with New Penn Financial a good one.”

Joe S

"Jamie Ray was fabulous! He did a great job keeping us informed, keeping the timeline on track and keeping my anxiety under control. Jamie Ray came through with everything he said he was going to do and how things were supposed to happen is exactly what happened. We could not have asked for things to been better. Thank you so much for helping make our dreams come true."

Robert F

“Jamie was amazing to work with, he guided my wife and I through the process very smoothly. He went above and beyond the call of duty to make sure it was easy.”

Taylor M

“First I want to start by saying thank you Jamie Ray. Our heartfelt thanks go out to you. This was the second time my husband and I have worked with you over the past few years and your exceptional kindness and professionalism have never faulted. You were always available to answer our questions and offer your support throughout the loan process. But besides that we feel like we gained a friend, you have a fabulous sense of humor, a commitment to your work and to your clients and our trust in you is over the top. We will always be forever thankful that in this busy world our paths crossed and you are now a part of our world. Be assured that we will always recommend you to all our family and friends. Jamie thank you.”

Parma and Len B

"I just recently purchased my first home and Jaime Ray with New Penn Financial took a superior approach to handling my financing to complete this transaction. The loan process, in my opinion, is the most important part of purchasing a home, as this is the biggest determining factor if the sale will succeed or not. Jaime kept me informed every step of the way and helped me become more knowledgeable throughout the process as he quickly answered any questions that arose. With many loans these days, there can be unexpected hurdles that arise. My case was no different. However, the obstacles that presented themselves were quickly eliminated by Jaime and his team. It's critical to have an experienced lender on your side in these cases. I'm not sure your average run-of-the-mill person would have been able to perform in this instance. I can truthfully say I am more than satisfied with my experience, and I would fully recommend Jaime Ray and New Penn Financial for anyone looking to buy a home.”

Nick S

"We just wanted to thank you for all your help with this process. You've been very helpful and prompt with all communication and paperwork for our refinance. We will definitely recommend you to any friends or family who may need help with refinancing or mortgages. Take care."

Michael and Daisy D

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