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)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.


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 not only meets your needs but also enhances your overall financial well-being.

Vice President, Mortgage Lending

Diana Bowar is your Palm Desert local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Diana is committed to helping homeowners with home purchase loans and refinances. Contact Diana at (425) 652-3911 for more information!

Diana Bowar at Guaranteed Rate Affinity (NMLS #158048)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Summer Gibson is your Palm Desert  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Summer is committed to helping homeowners with home purchase loans and refinances. Contact Summer at (310) 683-2785 for more information!

Summer Gibson at Guaranteed Rate Affinity (NMLS #328974)

Palm Desert

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3 Loan Officers Palm Desert, CA