After graduating from the U.S. Naval Academy in 1976, Raymond P. Putt went to sea, or rather beneath the sea as part of the Navy's unique brotherhood of submariners. His last boat was the ballistic missile submarine USS Henry Clay, on which he served as Executive Officer.
 
Ray's career then went ashore where he served as an analyst on the Pentagon's Joint Staff and then as Executive Officer of the Naval Nuclear Power Training Command. From 1995 to 2004 he taught mathematics while serving as the Associate Chair of Mathematics at the Naval Academy in Annapolis.
 
It might come as little surprise that Ray has carved a niche specialty in the mortgage industry, catering to professionals with military and academic credentials. But it should also come as no surprise that his background as a leader and a mathematician make him extraordinarily adept at exploring and evaluating financial options for clients of all backgrounds and aspirations. Ray has been a mortgage consultant in the residential mortgage industry since 2003. Besides his undergraduate degree from Annapolis, Ray also holds a master’s degree from the Catholic University of America. He is an active member of the U.S. Naval Academy Alumni Association and The Fleet Reserve. He and his wife of over 43 years, the former Mary Frances Carter, have two children and five grandchildren – and live in Arnold, Maryland.