Sr. Mortgage Advisor

Scott Dray

Sr. Mortgage Advisor NMLS# 838278 Licensed in OH and TX

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(614) 946-3012 [email protected]

12940 State Rd. Office #3
North Royalton, OH 44133
Branch License #2134262

About Scott Dray

Your mortgage is personal, and I understand that.

Your mortgage is personal, and I understand that. Whether you’re looking to buy, build, or refinance your home, our experienced mortgage professionals are here to help. Here at Preferred Rate, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Plus, as a mortgage professional, I am dedicated to finding the right loan with great rates, terms and costs to meet your specific needs. Financing a home is one of the most significant commitments you will ever make - let me guide you throughout the entire loan process from application to closing and beyond. I look forward to putting our mortgage service to work for you! Your mortgage is personal, and I understand that. Whether you’re looking to buy, build, or refinance your home, our experienced mortgage professionals are here to help. Here at Preferred Rate, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Plus, as a mortgage professional, I am dedicated to finding the right loan with great rates, terms and costs to meet your specific needs. Financing a home is one of the most significant commitments you will ever make - let me guide you throughout the entire loan process from application to closing and beyond. I look forward to putting our mortgage service to work for you!

See my reviews
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We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans

See what Scott's clients have to say

Ronald W

Mr Dray was extremely attentive

Jun 06, 2024

Christina R

He did a great job through the whole process. He is extremely knowledgeable and can fix anything that comes up. He was on my side through this confusing process and explained everything. I would recommend him to anyone looking for a mortgage loan. I didn’t think it would happen but I finally closed!!! Thank you Scott! ... Read More

May 23, 2024

April Van De V

You worked really hard to make sure I was able to get my house. I really appreciate you for everything.

May 18, 2024

Angela J

They were very responsive and knowledgeable about the process of getting a loan. They worked hard to get us the lowest rate

Apr 09, 2024

Matthia P

Great working with scott

Mar 25, 2024

Jeannie A

Prompt and answered all questions

Mar 09, 2024