Fresno Financial Resources & Consumer Protection & Education

Ray Note: I love this program. Last summer I got several free Alexa Wif-Fi power outlet switches, an Alexa EcoBee smart thermostat, and at least $500 cash back!!! Check it out and join ASAP. The link above gives both you and me some kind of bonus. Seriously, do it for the cash back savings and help save the planet too.

State of California:

Veteran's Administration (VA):

Federal Housing Administration (FHA):

Fresno County:

Credit Building, Repair, & Consolidation:

Fair Credit Reporting Act - FCRA 1970
Fair Credit Billing Act - FCBA 1974
Fair Debt Collection Practices Act - FDCPA 1977

Debt Validation

New Account Sources:

Student Loan Sources - New, Refinance, & Consolidation

Bank Charge Cards

Secured Credit Cards

Personal Loans

Debt Consolidation:

Golden Financial Services
Pacific Debt Inc.

Bonus sign up link.(You and my customer Brian both get a bonus if you use this link)

Credit Repair:

OneRay credit boost booklet "Tips & Tricks to Hack your FICO"
Credit Law Solutions

Kristen Sirles (818) 593-4209 Kristen@CreditLawSolutions.com
Free Consultation.
Aggressively challenge derogatory accounts on a legal basis.
Delete accounts. Don't just update balances and payments.
$399 setup and $89 monthly.
$50 discount if spouse joins also.
Cancel any time.

Xperia Credit Solutions

Jacob Meyers (303) 519-5400 Jacob@XperiaCredit.com
Free Consultation.
Average 20 point increase per month.
$49.99 setup and $69.99 monthly.
Monthly fee reduced if spouse joins also.
No contracts. Cancel any time.

Consumer Protection:

Goodies & Freebies & Discounts:

Are you owed an FHA MI refund?
Homebuyer Privileges by Enact PMI

Use Lender Code 3FLN and ID A0602tFLAG

Insurance: (Home / Health / Life / Auto)

Investment / Wealth Conservation / Retirement

Asset Creation Financial and Insurance Services

🔥 Recomended Local Professionals: 🔥

Realtor Linda Peltz
- eXp Realty
- (559) 353-4556
- lwpproperty@gmail.com
Clovis Tree Care, Inc.
- Jared Schutz
- (559) 314-4607
KHL Kitchen Cabinet & Granite
- Arsen or Vic
- (559) 277-8628
Glen West Painting
- Glen West
- (559) 260-1963
Eskelsen Construction, Inc.
- Glen Eskelsen
- (559) 287-4894

Foreclosure Help:

Taxation / Income Deductions:

IRS - Internal Revenue Service

Social Security Administration

My Account

OneRay On The Web:

Government - Miscellaneous:

SAMS.Gov - Doing business with the US Government

Assistance - Help - Important Information

Local Food Favorites

I like food. I eat every day. Here are some of my favorites in the Fresno/Clovis/Central Valley area:

Mariscos El Sushi & Micheladas

Oh yeah! Mexican sushi. That's the stuff!!

China Restaurant.

Family style with won tons, sizzling rice soup, pot stickers, fried rice, tangerine beef, and one of the shrimp plates.

Speedy Zapato's Mexican Food

Usually chili verde or chimichanga. Plain bean & cheese burrito is also amazing. I always add fench fries.

House of Kebab

I always get the Chicken Pilaf bowl but you put their roasted garlic sauce on old socks and it would be delicious! PS: This is not that raw garlic sauce most places offer. It's completely different.

Chronic Tacos Mexican Grill

You know, just one taco blew me away. This is my new taco place.

Fresno - Clovis - Central Valley:

Fresno 2020 Water Quality Report

Questions? Call or Text TODAY - (559) 346-7238
✦ ✧ ✦ eMail: RayJones@NexaMortgage.com ✦ ✧ ✦

Seriously! I love talking to people and answering questions.
- - - - - - - - -
ASL - American Sign Language interpreter available by appointment

Equal Housing Opportunity Lender.

Rates, Program, Fees, and Guidelines are subject to change without notice. Restrictions apply. Not a commitment to lend. OneRay - Nexa Mortgage only conducts business in states we are approved to. OneRay - Nexa Mortgage 1702 E Bullard Ave Ste 104, Fresno, CA 93710-5800. Phone: (559) 346-7238 | See licensing below

We are located in Fresno, California but we offer unparalleled home mortgage and refinance service to clients throughout the Great State of California!

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NOTICE: This information is not intended to replace professional counsel. No legal advice is implied or intended. Redistribution of these materials is strictly forbidden. Information provided is solely for the private, non-commercial use of the visitor. Unauthorized interception, review, use or disclosure is prohibited and may violate applicable laws including the Electronic Communications Privacy Act.