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Ray Cope
Mortgage Banker
NMLS ID #: 211958
Mobile: (770) 714-3233

Ray Cope approaches his clients’ home financing journey with the same tenacity and grit that he applies to his daily mountain biking routine.  “There are inevitably ruts and surprises in the process, but the journey is worthwhile, especially when you finish the trail”, Ray says with a smile.


 A veteran of the mortgage industry for almost 20 years, Ray applied his skills and experience in landscape design and implementation to a love of home builders and quickly began processing loans early in his career.  Advancing to loan origination in 2005, Ray began to work directly with homebuyers venturing into the growing new construction market in metro Atlanta.  He knows how to help answer the myriad of questions new homebuyers have and works diligently with every individual to structure the best loan options for them.  Ray has been recognized by his peers a top 1% producer, most notably designated a Top 1% Originator by Scotsman Guide.


At home, Ray spends his free time in besting health and fitness goals, building his own mountain bikes and…mountain biking.  His wife, Marisa is a REALTOR® and together they raise their three children, ages 10, 7 and 2.

“There’s nothing more rewarding than to share a client’s dream of closing on their own new home” Ray says, “Especially when that’s followed by a good hour on a mountain bike”.    We love Ray’s commitment to mountain biking, fitness and his clients!

Customer Testimonials

Ray explained to me how to get my credit score up to purchase a home, from the beginning to the end I started at 620 ended with a credit score of 720. He explained to me what I needed to pay off to get approved. I would recommend everybody to Ray Cope. Thanks

Larry B.

I want to say that from the moment I contacted Ray I felt I had the best person and team alongside me during this process. I don’t have time to talk about all the great service that was provided to me by Ray and the Banksouth Mortgage Team. Everyone I speak to about my experience, I tell them if you want someone who you can trust, that possesses superior knowledge and service. Call Ray Cope and Terri Horne with BankSouth!

Terry W.

Great service! Worked well with my agent. Very professional and super helpful. I almost gave up on my search for a family home and Ray came in and saved the day!

Carmen L.