I moved to the Coachella Valley in 2001 from WA state after graduating from the University of Washington and began my career as a mortgage lender then. I met my wife, Katie, here in the desert and we share two incredible children (our son Charlie and daughter Hayden). We enjoy traveling, hiking, and spending summers at the lake to escape the desert heat.


I have worked as a mortgage lender for nearly twenty years. The first 16 years were inside a real estate office of 100+ agents where I learned the importance of accountability and communication. I continue to enjoy helping every one of my clients to this day. And with the support of my team we hope to make your experience the very best possible.


As a dedicated refinance mortgage specialist, I focus on understanding your unique financial situation to find the best mortgage solution for you. My goal is to help you secure a loan that meets your needs and enhances your overall financial well-being.

VP of Mortgage Lending

Ryan Gray is your Palm Desert local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Ryan is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ryan at (951) 356-2177 for more information!

Ryan A. Gray at Guaranteed Rate Affinity (NMLS #248108)

Palm Desert

<footer class="footer-container">
          <div class="divider"></div>
          <div class="social-container">
            <a href="/">
              <img
                src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte2241c03634be37c/646befbd46d4d8ed366be4c2/GRA_Logo.svg"
                alt="Logo for Guaranteed Rate Affinity, a Guaranteed Rate Company"
                width="167"
                height="55"
              />
            </a>
            <div class="social-links">
<a href="https://www.youtube.com/channel/UCA8EFopvnDAtQuGMnD8R5AA"><i data-testid="font-icon" class="rc-font-icon font-icons-social-youtube " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.linkedin.com/company/guaranteedrateaffinity"><i data-testid="font-icon" class="rc-font-icon font-icons-social-linkedin " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.facebook.com/GuaranteedRateAffinity"><i data-testid="font-icon" class="rc-font-icon font-icons-social-facebook " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.zillow.com/lender-profile/GuaranteedRateAffinity/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-zillow " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
</div>
          </div>
          <div class="links-container">
            <div class="column">
              <a href="https://www.grarate.com/termsofuse" data-ya-track="link#">Terms of Use</a>
              <a href="https://www.grarate.com/privacy" data-ya-track="link#">Privacy Policies</a>
              <a href="https://www.grarate.com/accessibility" data-ya-track="link#">Accessibility</a>
              <a href="https://www.grarate.com/sms-terms" data-ya-track="link#">SMS Terms</a>
              <a href="https://www.grarate.com/licensing" data-ya-track="link#">Licensing Info</a>
            </div>
            <div class="column">
              <a href="https://www.grarate.com/about-us/" data-ya-track="link#">About Us</a>
              <a href="https://careers.grarate.com/" data-ya-track="link#">Careers</a>
              <a href="https://www.grarate.com/contact-us" data-ya-track="link#">Contact Us</a>
              <a href="https://www.grarate.com/articles" data-ya-track="link#">Knowledge Center</a>
              <a href="https://www.grarate.com/legal" data-ya-track="link#">Legal</a>
            </div>
            <div class="column">
              <a href="https://www.grarate.com/disclaimer" data-ya-track="link#">Disclaimer</a>
              <a href="https://www.anywhereinsurance.re/" data-ya-track="link#">Anywhere Insurance Agency</a>
              <a href="https://www.anywhereis.re/" data-ya-track="link#">Anywhere Integrated Services</a>
              <a href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1598647" data-ya-track="link#">NMLS Consumer Access</a>
              <a href="https://www.grarate.com/texas-consumers-how-to-file-complaint" data-ya-track="link#">Texas Consumers: How to File a Complaint</a>
              <a href="https://www.grarate.com/notice-to-vendor" data-ya-track="link#">Notice to Vendors</a>
              <a class="privacy-link" target="_blank" href="https://privacyportal-cdn.onetrust.com/dsarwebform/168096e5-faa8-4fdd-a479-992231adbdc1/70bd9394-cadd-46fa-8eaf-11c1f5523029.html" rel="noopener noreferrer" data-ya-track="link#">Do Not Sell My Personal Information</a>
            </div>
          </div>
          <div class="copyright-container">
            <img
              src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blt2c78064cb4e93643/647a74c86be35f2593bd207d/equalHousingLender.svg"
              alt="Equal Housing Lender"
              width="136"
              height="29"
            />
            <p>Copyright © 2017-2026 Guaranteed Rate Affinity, LLC. All rights reserved Guaranteed Rate Affinity</p>
            <p>NMLS: 1598647 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />Arizona Mortgage Banker License #0941440</p>
            <p>1800 W. Larchmont Ave., Chicago, IL 60613 - <a href="tel:+18888449888">(888) 844-9888</a><br />Operating in the state of New York as GR Affinity, LLC in lieu of the legal name Guaranteed Rate Affinity, LLC.</p>
            <p>Guaranteed Rate Affinity, LLC. is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason prohibited by law.</p>
          </div>
        </footer>

1 Loan Officer Palm Desert, CA