Ray Cela

Sr Loan Officer

NMLS ID: 899576

Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can craft a home lending solution that’s tailor-fit to your needs.

Ray Cela

3155 W Big Beaver Road

Troy, MI 48084

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Welcome to Flagstar Bank, my name is Ray Cela. As a senior mortgage loan officer with extensive experience in home lending, I have shared my expertise to personally assist numerous families, investors, and first-time homebuyers with their financing needs. My expertise in home financing includes but not limited to: conventional, jumbo, FHA, VA, first-time homebuyers, second home, investment properties, and more.


As a top producer with Flagstar Bank, I work hard every day to make sure my clients get into the right programs every time and on time. I work 24/7 to make sure that your questions are answered at a moment's notice. Whether you are looking to buy a new home, refinancing an existing mortgage, or take advantage of home equity to upgrade or consolidate debt, I'm ready, willing, and able to assist you every step of the way.


I look forward to meeting you.

Mortgage Skills

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Renovation Loans
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans


  • Masters of Science in Finance - Walsh College 2015

Languages Spoken

  • English
  • Italian
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