Joel Gray
Mortgage Consultant


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Mortgage Consultant

NMLS ID: 1020105  |  Lender ID: 327578

Joel and his wife, Amanda live in Edina where their three children Carson, Elena and Olivia keep them highly motivated and very, very busy! Joel has been in the mortgage industry for over a decade and has experience on both the fulfillment and sales side of the mortgage process which makes him highly versatile when it comes to structuring and handling his clients’ needs.

When Joel isn’t working or spending time with his family he is living out his passion of coaching hockey. Joel is very active in the Hockey Community and currently coaches for multiple programs and operates elite skating and skill based clinics. Part of his success in the industry is being connected to so many great families through the art of helping kids get the best out of their potential.

Joel thrives on making your home financing journey seamless. Whether you are buying your first home, building your dream home, establishing extra income with investment properties or looking to reduce your interest rate and payment, Joel is dedicated to making that happen.

With the new wave of regulations and current housing market, Joel is ready to assist and answer any questions you have. Joel looks forward to showing you what Envision Capital has to offer and more importantly forming relationships that last a lifetime.   

Connect with Joel
I'd love to hear from you:

P: 952-473-9988
F: 952-400-5722
C: 507-398-5830

Minnetonka Office

10590 Wayzata Blvd.,
Suite 160,
Minnetonka, MN 55305

We chose Joel because he is direct, knowledgeable and delivers. He kept us and our agent informed and made sure we knew exactly what was happening at all times throughout our home buying experience. We would highly recommend Joel to anyone who needs home financing
— Sarran