Ray Wateska RIPOFF REPORT VERIFIED SAFE™ Ray Wateska TRUSTED BUSINESS REVIEW:  …businesses consumers can trust. Ray Wateska, Owner Westshore Mortgage & Investments Co., CaribbeanMortgageLoans.com Commercial Project Consulting dedicated to the success of client’s cross border real estate financing. An industry leader over 25 years, Ray Wateska knows what it takes to finance even the most difficult properties. Ray Wateska receives a positive rating for their commitment to the Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business.

Ripoff Report REVIEW /Commitment to Customer Satisfaction

Ray Wateska, Ripoff Report Verified Safe Business and a member of Ripoff Report’s Corporate Advocacy Business Remediation & Customer Satisfaction Program, a long name for a program that does a lot for both consumers and business alike.

Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program -- a program that benefits the consumer, which helps to increase consumer satisfaction and confidence when doing business with a member business Verified By Ripoff Report.

When a company or individual joins the Ripoff Report Corporate Advocacy Program, they must make a commitment to us – in writing – to 'doing whatever it takes to make things right with their customers.' What does that mean? It means that Ripoff Report expects that members of our Corporate Advocacy Program will review and respond to ALL customer complaints promptly. It means that every complaint will be taken seriously, and every customer will be treated fairly and with respect. It means if a customer did not receive what they expected, the company will work with that customer to fix the issue. It means that if a customer requests a refund and if there is any reasonable basis for that request, we expect the customer will be given a prompt refund (some refund requests may not be reasonable, so this does not mean a refund is guaranteed in every case). “Making things right” can mean lots of different things to different people, but our point is this - by working closely with the company or individual to resolve any disputes, Ripoff Report can track the footprints of customer service to ensure that our Corporate Advocacy Program members are doing everything they can to treat customers fairly and to increase their customer satisfaction.

Ripoff Report cannot ever guarantee any product or service, but we can only report what we find, in order to help you get a better understanding of the company or individual we are investigating. That having been said, the conclusion Ripoff Report came to after our review, to the best of our knowledge, is that this company is a reputable firm, offering products and services of real value.





ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESSES FROM THE REST


Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..

By ED Magedson - Founder, Ripoff Report

Ray Wateska approached Ripoff Report with the intent of being 100% committed to customer satisfaction.





RAY WATESKA EXPLAINS WHO HE IS AND HE GOES ABOVE AND BEYOND FOR HIS CUSTOMERS/CLIENTS

" Ray Wateska grew up in a suburb of the city of Pittsburgh. He was the middle of three boys to two hard-working blue-collar parents who taught them to be self-sufficient, kind, considerate and compassionate.

By the age of 10, Ray had successfully acquired his first newspaper delivery route and by the age of 12 he had two paper routes simultaneously. He and his brothers did odd jobs like cutting grass and shoveling snow and any other type of work they could to help them support their hobby of dirt bike riding. By the age of 15 he had his first "official" job as a maintenance person for an ice-skating rink inside the local shopping mall. He became a certified Zamboni, ice resurfacer operator at the age of 15 and by the age of 16 he achieved the promotion to maintenance supervisor and was doing scheduling work for coworkers who were in their middle 20’s and attending college. When the ice-skating rink closed down to make way for food court be transferred over to the local convention center and worked in maintenance there.

After high school graduation, Ray went off to work on the grounds crew for a local housing builder / developer and apartment management company in his hometown. Because the work was seasonal he always sought out other jobs in the apartment community such as painting apartments, shampooing carpets, and plowing snow with them in the winter. Upper management routinely selected Ray for special assignments at different communities throughout their vast housing portfolio. Finally at the age of 21 Ray was promoted to property maintenance supervisor for a large condominium, town home town and apartment community on the outskirts of the city of Pittsburgh. At the same time he was working a second full-time job as a dispatcher and tow truck operator for local towing company. Realizing that he was working 80 hours a week and stuck in an hourly pay routine and his income was limited to the amount of hours he was able to work each week multiplied by his hourly pay rate. After some thought, Ray went off and started his own property maintenance business. His business boomed during the summer months but he sought out things to do in the winter. That led him to start a business in direct sales and marketing and 1992 he moved to Tampa Florida to expand his business.

After being laid up from an auto accident shortly after moving to Tampa, Ray received a mailer for an Orlando school teaching the purchase of cash flow instruments. This would be seller financed mortgage notes, business notes, buy here pay here auto notes receivable, structured settlement annuities and other debt instruments. Ray started working his business part-time and soon turned into a full-time occupation. Shortly thereafter, he achieved the status of "million-dollar club" member in the American Cash Flow Association which led to their request to become an instructor for their school to teach others how to be successful in the cash flow industry.

At the same time Ray found that there was a need for someone who can originate mortgage loans for those people who reached out to him constantly for assistance with real estate financing. Ray spoke to one of his investors who told him that his wife operated their mortgage brokerage arm of the company and thought that he should try his hand mortgage loan origination.

Soon after, Ray obtained his mortgage broker license and was working in the mortgage loan origination field. One year later he opened up his own brokerage company and has been doing mortgage loan origination and consulting ever since.

Besides working, Ray likes to go to the beach, boating, bicycling, fishing, motorcycle riding and fitness. He enjoys movies, comedies and music concerts. Ray is an avid dog lover and routinely supports charities that help needy and abused animals.





RAY WATESKA’S MISSION STATEMENT

”Mr. Wateska prides himself on going above and beyond and using only the proven financing strategies that get cross border loans funded.





RAY WATKESKA SURPASSES HIS COMPETITORS

" Ray Wateska and his companies, Westshore Mortgage & Investments Co., CaribbeanMortgageLoans.com and Commercial Project Consulting truly cares about their client’s. He obsesses on the customer experience and strive to make each step of the process painless as well as informative for each and every client. His obsession is to over deliver in every area. He works tirelessly to make sure he is on top of the latest financing trends and the hot buttons lenders look for that get them excited about funding cross border real estate transactions.



WARNING! …What to look out for before doing buying these types of services / products

There is nobody in this industry that does what we do;

Ray Wateska prides himself on the skills he has perfected over the years and the services he provides. There's a lot of moving parts to focus on in any business but we feel the customer experience is first and foremost. When the customer knows how important they are then they can be ready to learn from the various steps we take throughout our entire process... We strive to be known as the company that leaves no stone unturned as we look for hidden problems that could prevent our client from successfully obtaining funding for their property. We get to know our clients inside and out; we get to know their problems, fears, objections and goals and we analyze them one by one and walk them through the process to make them feel comfortable and confident in our abilities to help them achieve their desired outcome of a successful funding for their property.

Ray Wateska prides himself in providing the highest quality service.

ABOUT THE CORPORATE ADVOCACY PROGRAM

While Ripoff Report does not endorse any company, including Ray Wateska and his companies, Westshore Mortgage & Investments Co., CaribbeanMortgageLoans.com and Commercial Project Consulting, overall, our research demonstrated to us that CaribbeanMortgageLoans.com is a solid, reliable company that stands behind his service.

As a matter of policy, when Ripoff Report is retained by a company to mount an independent investigation and to publish our findings, we examine the truthfulness of their statements using every bit of information at our disposal. Our process is systematic and highly effective because the company or individual in our Corporate Advocacy Business Remediation and Customer Satisfaction Program must commit to 'doing whatever it takes to make things right with their customers.' By working closely with the company or individual, Ripoff Report can track the footprints left behind when their promised level of customer service is actually followed by the solid ground of real behavior. Only then do we publish our findings.

Ripoff Report is a known trusted source that millions of people use regularly, even federal and local law enforcement agencies. When Ripoff Report works with law enforcement to assist consumers, never once have we heard from any agency that the Reports filed had bogus contact information. These agencies include just about every law enforcement agency in the United States and Canada, and in about eight other countries. These government agencies include: FBI - Federal Bureau of Investigation, FTC, SEC, Department of Homeland Security, ICE, U.S. Secret Service, Attorney’s Generals, Federal Prosecutors, US Postal Inspectors, US Attorney’s Office, US Customs and Border Patrol, United States Citizenship & Immigration Services, U.S. Commodity Futures Trading Commission, IRS, along with local authorities including prosecutors, Sheriff and State Police in just about every state for the past 20 years.

This program requires the Member Business to agree to satisfy all complaints (everything within reason) - past, present and in the future, even when those complaints come to us by e-mail. In the case of CaribbeanMortgageLoans.com, they have no complaints. Ripoff Report is on the side of both the consumer and the business. Ripoff Report has no favorites, we are for what is right and fair.

The Member Business must also state improvements they are willing to make to their business which benefits the customer to avoid the reported problems from happening in the future.

If anyone ever has an issue with a Ripoff Report Verified Safe and TRUSTED Business, you can contact us here at Ripoff Report, but, like any good business, you should first always try and work out any issues that may be just a misunderstanding. Anyone contacting the following e-mail address will get immediate attention with Ray Wateska/ CaribbeanMortgageLoans.com (within 3-5 business days, usually within 24 to 48 hours). We ask that you contact Ray Wateska personally at rayw@caribbeanmortgageloans.com.

You can also copy Ripoff Report at EDitor@ripoffreport.com

RIPOFF REPORT CHARTING NEW TERRITORY

Consumers should feel confident and secure when doing business with member businesses.

Remember, just because a company or individual is reported on Ripoff Report does not mean you should not do business with them. Mistakes can happen, and it can be difficult to keep every person happy. What makes a company stand out is their ability to correct an issue promptly and to the customer’s satisfaction. Ripoff Report is an informational tool that can be used to your advantage to learn how companies handle client issues. Remember that you should be knowledgeable about any company or person you hire. Also, don't be afraid to ask questions and get additional information until you feel comfortable in allowing them to work for you.

Be sure to contact us with your questions and comments about any business that is part of the Corporate Advocacy Business Remediation and Customer Satisfaction Program. Your questions, comments and suggestions are always welcome and will be considered even if we don't agree with them. Please realize Ripoff Report is chartering in new territory, working to make a change for both consumers and businesses alike.



How does a business get Ripoff Report Verified™

The member business allows Ripoff report to email everyone from the past. Those who respond to Ripoff report with a valid complaint must be take care of. They have made a commitment that if anyone contacts Ripoff Report in the future, they will make things right within 14 days. The member business must err on the side of their customers. Otherwise the member business is off the program.

Ripoff Report has determined that Ray Wateska meets Ripoff Report Verified™ standards which include a commitment to make a good faith effort to resolve any consumer complaints. Members of the Corporate Advocacy Business Remediation and Customer Satisfaction program do pay a fee for our on-site review, 24-hour monitoring and for support with customers to resolve any disagreements.

Ripoff Report sends a 3rd party service to do an onsite inspection of the new member business. The on-site inspection / review does not mean that the products or services offered by the business have been evaluated or endorsed by Ripoff Report, and has not made a determination as to the business' product quality or competency in performing services. We can verify, that Ripoff Report went to the business, verified their business or “work from home business”, there for, if a customer in the future does not get treated correctly, Ripoff Report can get the problem resolved. If not, and the customers is right, the member business will be taken off the Corporate Advocacy Program. Remember, Ripoff Report emailed every customer from the past that filed a complaint to make sure the member business made things right with customers from the past. Again, to err on the side of their customer, those from the past and those in the future.

Consumers can feel safe confident and secure when doing business with Ray Wateska.

Here's why: Ray Wateska and his companies, Westshore Mortgage & Investments Co., CaribbeanMortgageLoans.com and Commercial Project Consulting, Excellence and Total Consumer Satisfaction, Consumers should feel safe, confident and secure when doing business with a Verified Safe Business, a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, a long name for a program that does a lot for Program, a program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business, both consumers and businesses alike.

Read about Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program

..by consumers, for consumers

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Our mission:

• Empower consumers
• Defend the First Amendment
• Expose wrongdoing
• Help companies regain control

ED Magedson: Founder - Ripoff Report
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Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..