Carl Ruiz
Mortgage Loan Originator
About
I understand the importance and the magnitude of buying a home. It is the largest purchase most families or individuals will ever make. Providing personal attention and learning everything I can about you and your finances is paramount to matching you with the right programs and terms to find your perfect mortgage.
With over seventeen years of experience, I know the products that are available and am up to date on the constant changes so common to the mortgage industry. My experience includes Conventional, Jumbo, FHA/VA…and also very much enjoy working with first-time buyers. I am adamant about making sure every buyer understands the process each step of the way from start to finish. This asset, along with my focus on personal attention, has provided for many repeat buyers and referrals.
I am the father of two grown daughters and do understand the importance of home ownership for any family.
I am always on-call, including evenings/weekends, ready to answer your questions – big or small.
Jumbo and Conventional loan financing
First time home buyer programs for down payment and closing cost assistance
VA -NO money down payment program
USDA- NO money down payment program
FHA -3.5% down payment program
Construction Loans
Additional languages spoken: Spanish
Our Loan Programs
Buying a home can be overwhelming. There are so many financing options, offered by so many different banks, lenders, and brokers. Don’t stress yourself out trying to find the perfect product and perfect rate on your own – that’s what we’re here for! Contact us today to start a conversation about which loan option is right for you.
All LoansConventional
A Conventional Purchase is a “traditional” mortgage with as little as 3% down payment, requiring no upfront mortgage insurance fees and cancellable monthly private mortgage insurance. Both Fixed Rate & Adjustable Rate Mortgage options are available.
FHA
If you’re a first-time homebuyer and your credit score isn’t great, an FHA loan may be a great option for you. FHA loans allow for as little as 3.5% down and have options available for buyers with credit scores as low as 600.
VA
Veterans and active duty military may qualify for 100% financing (0% down payment) with no monthly mortgage insurance through the VA loan program.
USDA
Designed for properties located in rural areas, the USDA loan program provides up to 100% financing (0% down).
What Our Clients Say
