25+ years of real estate and lending experience in your corner! Contact me today to make arrangements to get your property!
Office: 469-248-6050
Cell: 469-810-4008
WATCH THE TOUR
Take a tour with Ray
Residential Estate Tour
Commercial Property Tour
Plano
Mckinney
Dallas
Richardson
Find Your Place in North Texas
Explore our curated list of premier communities across the DFW metroplex.
Frisco
Allen
Fort Worth
Lewisville
One Advisor for Every Move
Buyers
Buy with a plan. We help you understand credit, debt-to-income, and down payment assistance before you fall in love with a house.
Sellers
Sell for top value. Our expertise ensures your property is presented with the highest level of luxury and market precision.
Investors
Talk strategy with someone who's done it. We provide the elite advisory needed to navigate the commercial real estate landscape.
First-Time Buyers
Get ready to buy. We help you navigate the complexities of credit and debt-to-income ratios with 25+ years of real estate mastery.
W.H.Y SELL · WE HELP YOU SELL
Selling it yourself? We'll bring you the buyer.
For Sale By Owner, without doing it alone. We build your home its own dedicated listing page on Save The Day Ray, bring in the buyer leads, schedule and run the showings from your lockbox, and handle the buyer all the way to closing. You only pay when the buyer comes from us.
MEET RAY CHRISTIAN
Ray began his journey in 1999 as a mortgage loan officer and banker. Today, he is a Realtor, investor, and home builder who helps buyers understand credit, debt-to-income, and down payment assistance before they ever fall in love with a house. With 25+ years of real estate and lending experience in your corner, Ray provides the strategic guidance needed to make your next move the right one.
1999 IN REAL ESTATE SINCE
25+ YEARS OF EXPERIENCE
3 IN 1 LENDING · BUILDING · SELLING
MYTH-BUSTING
Common Questions
Do I need perfect credit?
Requirements depend on the loan and lender. Some government-backed loans are specifically built for buyers still building their credit history.
What is a down payment?
It is the initial sum of money you provide toward the purchase of a home. This can be as low as 3% for certain government-backed loans.
How do I find my first home?
Start by knowing your numbers. Use our monthly payment estimator to see how much you can afford before you even fall in love with a house.
What is a mortgage?
A mortgage is a loan used to buy a home. It is a long-term agreement where you pay back the principal plus interest over a set number of years.
How do I sell my home?
Start by staging your home to maximize appeal. We recommend working with a professional agent to ensure you get the top value for your property.
Facing foreclosure?
Let's find your next move. Whether you're behind on payments or you've already been through a foreclosure, you have options, and a free, private consultation is a good place to start. Book a consult and we'll talk it through.
Ray Christian is a licensed Texas real estate agent with Mersal Realty LLC, not a lender, attorney or government agency, and can't guarantee any result. Free or low-cost housing counseling is also available from HUD-approved counselors at (800) 569-4287.