Tim Gray
Your Non-QM Partner
from Scenario to Funding
Tim Gray is a Wholesale Account Executive who has worked exclusively in Non-QM lending for more than four years. His experience with DSCR, bank statement, asset utilization, and other alternative-documentation programs helps brokers create financing opportunities for self-employed borrowers, real estate investors, and clients who fall outside traditional lending guidelines.
Tim approaches every scenario as a true partner. He helps brokers prequalify challenging files, interpret guideline nuances, structure loans strategically, and keep viable deals moving efficiently from submission through funding.
Honesty and transparency are at the center of Tim’s work. Brokers can count on straightforward answers, responsive communication, and consistent follow-through throughout the loan process. If a scenario has a path forward, Tim will help find it. If it does not, he will provide a clear answer so the broker can protect their time and manage expectations.
Tim is available by phone or text 24/7 whenever a broker needs help with a scenario or active loan.
Outside of lending, Tim is passionate about live music. He has attended countless festivals, including Jazz Fest and the inaugural Bonnaroo Music Festival, but is equally happy catching a show at a smaller venue like The Mint in Los Angeles. He also enjoys playing guitar and spending time with his wife of 25 years and their two adult daughters.
Tim Gray
Senior Account Executive
747.205.6017
855.855.8598 x2114
[email protected]
Connect on LinkedIn
Tim Gray is a Wholesale Account Executive who has worked exclusively in Non-QM lending for more than four years. His experience with DSCR, bank statement, asset utilization, and other alternative-documentation programs helps brokers create financing opportunities for self-employed borrowers, real estate investors, and clients who fall outside traditional lending guidelines.
Tim approaches every scenario as a true partner. He helps brokers prequalify challenging files, interpret guideline nuances, structure loans strategically, and keep viable deals moving efficiently from submission through funding.
Honesty and transparency are at the center of Tim’s work. Brokers can count on straightforward answers, responsive communication, and consistent follow-through throughout the loan process. If a scenario has a path forward, Tim will help find it. If it does not, he will provide a clear answer so the broker can protect their time and manage expectations.
Tim is available by phone or text 24/7 whenever a broker needs help with a scenario or active loan.
Outside of lending, Tim is passionate about live music. He has attended countless festivals, including Jazz Fest and the inaugural Bonnaroo Music Festival, but is equally happy catching a show at a smaller venue like The Mint in Los Angeles. He also enjoys playing guitar and spending time with his wife of 25 years and their two adult daughters.
Tim Gray
Senior Account Executive
747.205.6017
855.855.8598 x2114
[email protected]
Connect on LinkedIn
Tim Turns Non-QM Complexity Into Clear Paths Forward
Non-QM loans move faster when brokers receive direct answers, thoughtful structuring, and dependable follow-through. Tim combines specialized program knowledge with a transparent, hands-on approach to help brokers evaluate challenging scenarios, navigate guidelines, and move viable loans confidently toward funding.
Straight Answers. Consistent Follow-Through.
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“
Honesty and transparency guide every conversation I have with my broker partners. I’ll help you evaluate the file, navigate the guidelines, and stay engaged from the initial scenario through funding.
— Tim Gray, Senior Account Executive
Straight Answers. Consistent Follow-Through.
“
“
Honesty and transparency guide every conversation I have with my broker partners. I’ll help you evaluate the file, navigate the guidelines, and stay engaged from the initial scenario through funding.
— Tim Gray, Senior Account Executive
Tim Gray
Senior Account Executive
747.205.6017
855.855.8598 x2114
[email protected]
Connect on LinkedIn
Have a Scenario? Send It to Tim.
Let’s Talk Through Your Next Deal
Choose a convenient time to connect with Tim. He’ll help you review the scenario, explore potential program options, and determine the best next step.
Ready to Simplify Lending?
Let’s connect soon—I’d love to discuss how ARDRI can bring value to you and your clients. Please feel free to reach out at any time or book a meeting with me using the calendar appointment tool on this page. Call me today at 747.205.6017 to get started!
