About hooWray Home Lending
Mortgage Guidance
Grounded in Real Construction Experience
hooWray Home Lending combines mortgage lending knowledge with practical residential construction experience to help borrowers better understand construction, renovation, and specialty financing decisions.
Education Before Application
A mortgage decision should begin with a clear understanding of the project, the financing structure, the documentation, and the potential challenges. Our approach is to help clients plan first, compare appropriate options, and move forward with realistic expectations.
Understand the Goal
We start by learning what you want to build, renovate, or accomplish.
Explain the Options
We walk through appropriate financing options in clear, plain language.
Identify Potential Obstacles
We help surface documentation and project considerations early.
Build a Clear Next Step
We help you move forward with realistic expectations and a defined path.
Real experience.
Honest guidance.
Meet Kenny
Meet Kenny Wray
For nearly three decades, I've had the privilege of helping families navigate one of the biggest financial decisions of their lives. Over the years, I've learned that most people aren't looking for a sales pitch—they're looking for honest answers, clear guidance, and someone they can trust.
Long before I ever built a home, I was fascinated by the idea of taking a piece of raw land and turning it into a place where a family could build their life. Like many dreams, life had a way of delaying that goal. As my children grew older and my sons built careers in construction and land development, the opportunity finally became a reality. Together, we founded hooWray Homebuilders, combining my lending experience with their construction knowledge.
That experience changed the way I look at construction financing. A construction loan isn't just about getting approved. It's about understanding the entire journey—from the land and the plans to the builder, the budget, and the construction process. My goal is to help you understand how all those pieces fit together before you ever break ground.
When you meet with me, my hope is that you'll leave knowing more than you expected. I believe people make better decisions when they have good information, and I don't believe knowledge should be treated like a sales tool. Whether you choose to work with me or simply leave with a better understanding of your options, I want you to feel informed, confident, and comfortable reaching out whenever questions come up.
Licensed & Committed to Transparency
- Licensed to originate mortgage loans in North Carolina.
- Charles K. Wray Individual NMLS ID #87661
- Mortgage origination services offered through NEXA Mortgage, LLC Company NMLS ID #1660690
- Equal Housing Opportunity
A Different Perspective on Construction Financing
Construction and renovation loans involve more than borrower qualification. The land, builder, plans, budget, appraisal, draw schedule, inspections, change orders, and construction timeline all affect the financing process. Practical knowledge of residential construction helps support more useful conversations before the loan reaches underwriting.
Land and Site Planning
Builder and Budget Review
Draws and Inspections
Construction Timeline Awareness
Financing Guidance for Different Homeownership Goals
How hooWray Approaches Construction Financing
For borrowers planning to build a primary residence or qualifying second home.
Learn moreHow hooWray Approaches Renovation Financing
For homeowners or homebuyers planning eligible repairs, additions, or major improvements.
Learn moreHow hooWray Approaches Specialty Financing
For self-employed borrowers, investors, and clients with nontraditional income or property scenarios.
Learn moreStart With a Conversation
Whether you are building, renovating, investing, or trying to understand a unique qualification scenario, an early conversation can help clarify the next step.