Joseph Ray

NMLS # 204912


Joseph Ray President
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Joseph Ray

Joseph Ray


Mortgage Calculators

Loan Programs



About Joseph


Joseph Ray founded Obsidian-Elite Financial Services LLC. In 2020. As Principal Owner, Joseph A. Ray oversees the firm’s sales and marketing division, and customer relations. With a hard-working attitude and a need to help others Obsidian-Elite Financial Services LLC also known as OBE was formed, we are building a steady presence and stellar reputation on the east coast.

A native of Bronx, New York and born in Brooklyn, Joseph attended Bronx Community College and Moved to Baltimore Md and attended Coppin State University for Business. He soon began investing, assisting in renovation projects and even built a house from the ground up in Montross VA. Drawing on this success, working in the mortgage industry over 10 years Joseph went on to obtain his brokerage license and formed a Mortgage brokerage Company in 2020.

“I feel qualified in offering sound advice in the Mortgage Industry having over 12 years experience in the industry. I enjoy sharing my knowledge and experience with homebuyers and those looking to refinance.

Joseph has created a number of companies to help those in the community. Currently, He is working on developing Obsidian-Elite Financial Services LLC. To be one of the largest Mortgage Companies in the United States.

What does Joseph do to relax?

Staying active comes easy to Joseph. Praying and Studying the Word of God is his passion. A Serious Green Bay Packers fan also a supporter. Joseph has spent time helping the inner-city kids by coaching basketball and counseling.

His interests include traveling, chess, teaching in church, learning Spanish, public speaking and mentoring young people on business and entrepreneurship. An avid prayer warrior, Joseph enjoys politics helping people understand what’s right from wrong assisting others in having a relationship with God and saving lives. For more than 20 years, he has lived to help make people lives better spiritually and physically helping souls be ready to enter the Kingdom of God.

Contact Joseph

Joseph Ray

NMLS# 204912

11890 Sunrise Valley Drive Suite 611
Reston, VA 20191
State Licenses: FL, GA, MD, VA

Trusted Partner

I want to earn your business for life. You can also count on me to help your family and friends whenever they need a mortgage.

Great Rates

I know that you want a great rate when you purchase or refinance a home! Our company offers some of the best rates in the industry.


Getting a mortgage requires a lot of communication. Our team will remain in constant contact with you throughout the process.

Close on Time

I know that time is of the essence whenever you’re buying or refinancing a home. I am committed to a quick and efficient closing.

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