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Ray Lambert

Senior Loan Advisor | Providence – Flagstar Bank Home Loan Center, Rhode Island

License/Certifications: NMLS 441881


Office: 401.341.1079

Cell: 401.741.5100

Fax: 888.237.4835

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Home > About Us > Our Team > Ray Lambert

My Story

Flagstar Bank helps clients make effective financial decisions by showing them a new way of thinking about their mortgage – not just as a loan based on rates, ratios and guidelines, but as something with the potential to dramatically shift their financial situation now and into the future. During the mortgage process, our advisors show clients new ways of looking at affordability that take everything they care about into consideration.


Our Mortgage Advisors do extensive work upfront to determine the best financing structure in each particular client situation. Through years of experience and industry knowledge, our advisors have the ability to anticipate and avoid potential obstacles, giving clients confidence and peace of mind throughout the process.


Flagstar Bank originates, underwrites, and funds loans with its own capital, maintaining control of the entire loan process. Flagstar Bank offers a full-range of competitively-priced loan programs and is knowledgeable in lender guidelines so we can match the best loan program to each client’s unique situation and needs. Our underwriters are well versed in local markets and we fund loans in-house, maintaining complete control to ensure fast turn-times and a smooth loan process.


Contact Ray to learn how he can help you with your real estate financing needs.



“Ray was the consummate professional who went above and beyond for the betterment of our Family. A truly seamless experience led by Ray
and his team that took all of the stress out of refinancing our home. We would use him in the future, hands down. A big thank you to all of Ray Lambert’s due diligence!!!”

-John L.

“I’ve known my loan officer for many years now. He has been involved in the purchase and sale of my first home, as well as the purchase and refi of my current home. He has made every step seamless and easy. I trust him 100%, and have recommended him to anyone I know who is looking to purchase a home or refinance.”

-Mark C.

“Ray Lambert was diligent in following up on every detail related to your application and closing details. We received calls on a regular basis with process updates.”

-David W.

“Ray and the whole team were fantastic. They communicated clearly throughout the process and walked us through everything as first time homebuyers. Closing was a breeze and we got a great rate. I couldn’t be happier.”

-Silas M.

Branch: Providence – Flagstar Bank Home Loan Center

311 Broadway

Providence, RI 02909

Phone: 401.341.1074


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