backed by expertise.
Flood360 was founded on a simple belief: getting a mortgage shouldn't be confusing or stressful. Ray Flood brings a rare combination to the table — a mortgage loan originator who is also a CTEC-certified tax preparer, with a background in real estate and property management.
That means one person who understands your full financial picture: your income, your taxes, and your long-term wealth strategy. California clients deserve a loan officer who speaks plainly and is actually reachable. That's Flood360.
Ray Flood NMLS #2828730
Ray pairs mortgage lending with real tax expertise — reading returns the way underwriters do, and helping clients build a homeownership strategy, not just close a loan.
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