Elsa Rayos-Morales
Rm Luminace Aesthetics
Health SpaAbout Elsa
Elsa Rayos-Morales is a Health Spa who works at Rm Luminace Aesthetics
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Rm Luminace Aesthetics
Health SpaElsa Rayos-Morales is a Health Spa who works at Rm Luminace Aesthetics
Bucklebury LLC
Health and NutritionEntrepreneur with a passion for helping people find the natural path to well-being.
Edge Home Finance
Mortgage LoansThe quick version: Husband | Father | Mortgage Loan Broker | Tennis Enthusiast | I try to live my life according to the Bible. My working career began in construction. I have an AAS in Construction Management. I worked for a few of the largest commercial contractors in the Chicagoland area as a Project Manager. I've also built upscale custom homes. I founded and grew a service business from zero to almost 600 clients when I sold the business. My bride, Julie, and I have been married for 30 years and it just keeps getting better all the time! I don't have enough adjectives in my vocabulary to properly describe what a blessing she is. We share our home with a rescue dog named Dooby. Workwise today, I'm a mortgage broker. I've been licenses since 2020. Unlike a retail or direct lender (one who loans their own money and usually has just one loan option), I have access to over 100 wholesale lenders and within reason, can make almost any deal work. I thrive on a good challenge! I love the mortgage business and I love helping people reach their goals. There is a sense of personal satisfaction and accomplishment in doing this. In my free time, I play guitar occasionally. I'm also a competitive tennis player and play 3 times a week, sometimes 4 times. I also can be seen in the gym at my club working out 5 or 6 times a week for 30 minutes each day. The more I work out, the better I feel. And yes, I'm human, there are mornings I would rather not go, but I try not to cave to that desire. I consider myself quite handy around the house and will always try to repair something myself before asking for help. Good leads for me are: 1. Your family, friends or co-workers who may be considering purchasing a home. It's ALWAYS best to have a discussion with a lender FIRST, before anything else, to understand your options. 2. Real Estate Agents that you know personally, or know well enough to refer. 3. Ask renters that you know if they're saving up for a down payment. If so, they're prime to speak with me. 4. When you hear someone talking about refinancing, mention me. 5. Other mortgage lenders you know who are not brokers. Let me know who they are, before connecting us, and I can see if they may be a good fit to join the broker side. (It truly is better on the broker side!)