Ray Happel

I am a recent graduate of the University of Cincinnati, where I completed a double major in Finance and Information Systems. With a strong academic foundation and a commitment to client-focused service, I bring a detail-oriented and analytical approach to the mortgage lending process. Although new to the industry, I am dedicated to providing clear, accurate guidance to help clients make well-informed decisions with confidence. 

My background equips me to evaluate complex financial information, leverage modern technology, and deliver a streamlined, organized experience for every client. I understand that selecting a mortgage is a significant financial decision, and I am committed to ensuring that each individual receives thoughtful recommendations tailored to their goals. 

Whether assisting first-time homebuyers or current homeowners exploring refinancing options, my priority is to provide a professional, transparent, and dependable lending experience from start to finish. 

When I’m not helping my clients finance their homes, you can find me spending quality time with family and friends, cooking new meals, working on my fitness, and staying outdoors in the summertime! 

If you have any questions, please feel free to contact me at any time!