Ray Wallace Home Loans

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Ray Wallace Home Loans Residential home loans for purchase or refinance. Primary residences, 2nd homes or investment. Licensed in WA, ID and VA Single family residences to 4-unit.

Residential home loans for purchases or refinances. Availability in WA, ID. Conventional, FHA, USDA, VA, WSHFC, IHFA. NMLS #363664

🏡 **Investment Opportunity in Pullman!**Check out this unique property at **405 NW North Street in Pullman**, featuring ...
10/30/2026

🏡 **Investment Opportunity in Pullman!**

Check out this unique property at **405 NW North Street in Pullman**, featuring multiple living units and rental income potential!

One financing option worth exploring is a **DSCR loan (Debt Service Coverage Ratio)**.

Unlike traditional investment property mortgages, DSCR loans may allow qualified investors to obtain financing based primarily on the property's eligible rental income rather than their personal income.

That can be especially helpful for self-employed investors, business owners, or buyers looking to expand their rental property portfolios.

Of course, there's more than one way to finance a property like this, and I'd be happy to chat about the options!

**Listed by Shilo Sprouse.**

Take a look at the property here:
https://sites.totalexpert.net/page-title405nwnorth

If you're interested in the property or want to explore financing options, give me a call!

Ray Wallace | Guild Mortgage
208-310-1786
NMLS #363664 | Company NMLS #3274
Equal Housing Opportunity

*Financing subject to credit approval, property eligibility, qualifying rental income, applicable DSCR requirements, and program guidelines. DSCR loans are intended for eligible investment properties, not owner-occupied primary residences. This is not a commitment to lend.*

MLS # 297458 Income potential meets versatility in this unique Pullman triplex ! Whether you’re expanding your investment portfolio, seeking an owner-occupied home with rental income, or exploring multigenerational living, this property offers space and flexibility. Enjoy the financial benefits of ...

5.0 star review received on Experience.com for Raymond Wallace by Barry S - Ray  and  his  team  were  easy  to  work wi...
10/26/2026

5.0 star review received on Experience.com for Raymond Wallace by Barry S - Ray and his team were easy to work with and provided exceptional service. They made the application process painless, almost dare I say pleasant. Will definitely use again!

Click to see all 190 reviews of Guild Mortgage - Ray Wallace, Senior Loan Officer | NMLS #363664

5.0 star review received on Experience.com for Raymond Wallace by Wendy W - I worked with Ray on an extremely complicate...
10/18/2026

5.0 star review received on Experience.com for Raymond Wallace by Wendy W - I worked with Ray on an extremely complicated transaction and he made it so much easier. He was always available to answer questions. I truly appreciated him!

Click to see all 189 reviews of Guild Mortgage - Ray Wallace, Senior Loan Officer | NMLS #363664

5.0 star review received on Experience.com for Raymond Wallace by Jennifer D - Quick to get a loan and over all great ex...
10/18/2026

5.0 star review received on Experience.com for Raymond Wallace by Jennifer D - Quick to get a loan and over all great experience

Click to see all 189 reviews of Guild Mortgage - Ray Wallace, Senior Loan Officer | NMLS #363664

5.0 star review received on Experience.com for Raymond Wallace by Julie B - Raymond Wallace
10/17/2026

5.0 star review received on Experience.com for Raymond Wallace by Julie B - Raymond Wallace

Click to see all 189 reviews of Guild Mortgage - Ray Wallace, Senior Loan Officer | NMLS #363664

4.75 star review received on Experience.com for Raymond Wallace by Thomas D - Very friendly, systematic approach and hig...
09/13/2026

4.75 star review received on Experience.com for Raymond Wallace by Thomas D - Very friendly, systematic approach and highly professional.

Click to see all 185 reviews of Guild Mortgage - Ray Wallace, Senior Loan Officer | NMLS #363664

5.0 star review received on Experience.com for Raymond Wallace by Jaina C - In a very confusing and overwhelming process...
09/05/2026

5.0 star review received on Experience.com for Raymond Wallace by Jaina C - In a very confusing and overwhelming process, Ray made sure we understood what was happening the entire time. He helped us stay sane and informed. Thanks Ray!

Click to see all 183 reviews of Guild Mortgage - Ray Wallace, Senior Loan Officer | NMLS #363664

5.0 star review received on Experience.com for Raymond Wallace by Amy H - Ray always answers his phone.
08/13/2026

5.0 star review received on Experience.com for Raymond Wallace by Amy H - Ray always answers his phone.

Click to see all 182 reviews of Guild Mortgage - Ray Wallace, Senior Loan Officer | NMLS #363664

5.0 star review received on Experience.com for Raymond Wallace by Bridget C - Ray Wallace has the expertise and commitme...
08/08/2026

5.0 star review received on Experience.com for Raymond Wallace by Bridget C - Ray Wallace has the expertise and commitment to be there for the most challenging types of loans!

Click to see all 180 reviews of Guild Mortgage - Ray Wallace, Senior Loan Officer | NMLS #363664

5.0 star review received on Experience.com for Raymond Wallace by Kelli C - Ray was recommended to me by a friend and re...
08/08/2026

5.0 star review received on Experience.com for Raymond Wallace by Kelli C - Ray was recommended to me by a friend and realtor and he definitely lived up to the hype! He was very patient with me and help me get rough numbers on a multitude of properties to help me figure out what I could afford and what I needed to do in order to improve my financial situation. He answered all my questions, sometimes more than once. He was very communicative and definitely helped me to keep on track to get through my purchase successfully.

Click to see all 180 reviews of Guild Mortgage - Ray Wallace, Senior Loan Officer | NMLS #363664

Address

245 E Main Street
Pullman, WA
99163

Opening Hours

Monday 6am - 5pm
Tuesday 6am - 5pm
Wednesday 6am - 5pm
Thursday 6am - 5pm
Friday 6am - 5pm

Telephone

+12083101786

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