Meet Our TowneBank Mortgage Lending Partners

NMLS # 117982

Ray Shanahan has worked in the financial industry for over twenty five years. For the last twelve years he has been dedicated to mortgage banking and has witnessed the ever-changing real estate market, while continuing to help his customers navigate through the mortgage process.

Having moved several times, and a homeowner himself, Ray understands the significance of purchasing a home. Whether you are a first time homebuyer, purchasing a vacation home or an investment property, or are interested in refinancing your current mortgage, Ray has the experience to work with you throughout the entire process. He also understands the urgency that can sometimes be necessary when looking to purchase a home, so he makes himself available to work with you seven days a week.

Using his financial experience to best serve you, Ray has developed an outstanding knowledge of mortgage products including VA, FHA, USDA, Conventional and Jumbo programs.  He has the knowledge to help structure a mortgage that will best suit you and your family’s needs in an honest and professional manner. Ray has the experience, market awareness and dedication to help you obtain financing for your next real estate transaction.

Ray and his family live in Union County, North Carolina, which is about 18 miles outside the wonderful city of Charlotte.  He has been married for twenty years and is the proud father of two children (one in high school, one college freshmen). He is also a decorated veteran of the United States Army.

NMLS # 450581

With over 18 years of experience in the mortgage industry, Allen Giroux takes pride in helping his clients achieve the American dream of homeownership.

As a loan officer, he loves working with each of his clients to find a mortgage that best fits their unique needs. He specializes in Conventional, FHA, VA, Jumbo, and 203k loans. He is available to his clients during work hours, after-work hours, and on the weekends to best fit their schedules.

Allen has lived in the Charlotte area for 20 years. He attended Belmont Abbey College in Belmont, North Carolina before joining the mortgage industry. Allen is married with 3 young boys, who are active in sports. He enjoys watching baseball and playing golf when he gets the chance.

NMLS # 387486

Jeff Williams has called North Carolina home for over 30 years.  Born and raised in New Jersey, Jeff ventured south to attend college, and has been a resident ever since.  Soon after moving to NC, he began his career in the mortgage industry, having worked as a processor, underwriter, and as of 1996, a Loan Officer.

Jeff enjoys working with customers with varying needs.  Whether you are a first time homebuyer looking to purchase your family home, or a seasoned homeowner looking to refinance, Jeff remains dedicated to each of his customers throughout the entire process.

The mortgage process can sometimes seem overwhelming, but Jeff takes pride in working with his customers to find them the perfect financial fit.  Whether it be an FHA, VA, USDA or Conventional loan, Jeff has years of experience with all sorts of mortgage programs, and uses this knowledge to help guide you along the way.

Jeff wants to make sure that his customers fully understand the mortgage process from start to finish, and takes pride in making the mortgage experience as smooth and enjoyable as possible.


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