ay Christian began his journey in 1999 on the lending side of the desk, where he spent over two decades mastering the complexities of credit and debt-to-income ratios. Today, Ray is a Realtor, investor, and home builder who helps buyers understand the numbers before they ever fall in love with a house. With 25+ years of experience, he provides a unique perspective that bridges the gap between traditional lending and the luxury real estate market of North Texas.