Joseph RuizMortgage Loan Officer · The Lending Pros
Home loans made clear. A loan officer who explains everything, plans around your life, and picks up the phone.
The mortgage process is about more than numbers on a page
It is about helping families open doors to their future. I have spent my career simplifying the home buying journey, for first time buyers making their biggest decision and for investors financing their next project.
There is a programme for almost every situation
Nine ways into a home, each built for a different set of circumstances. Plain explanations of what each one is, who it fits, and what it asks of you.
Fixed Rate Mortgage
One payment, one rate, for the whole loan. The default for a reason.
Read more 02FHA Home Loan
A lower bar to clear. Built for buyers with a smaller down payment or a shorter credit history.
Read more 03VA Home Loan
No down payment, no monthly mortgage insurance. The strongest loan in the country, if you earned it.
Read more 04Rehab Loan
Buy the house and fund the work in one loan, at mortgage terms.
Read more 05Jumbo Home Loan
Above the conforming limit. A different underwriting conversation, and one I have often.
Read more 06First Time Home Buyer
The programmes, the assistance, and someone who explains all of it.
Read more 07Low Down Payment Purchase Options
Twenty percent is a myth. Here is what is actually required.
Read more 08Investment Property Loans
Financing that is underwritten on the property, or on you. Whichever gets it done.
Read more 09Refinance
Change the loan you have. Lower the payment, shorten the term, or take equity out.
Read moreTell me what you are trying to do
Ten short questions, no credit pull, no obligation. It takes about two minutes and it tells me enough to give you a real answer rather than a generic one.
Run your own numbers before anybody asks you for a document
Affordability by loan programme, a purchase payment with an early payoff plan, a refinance break even, and an honest rent versus buy comparison. All of it in your browser, none of it sent anywhere.
The answers people are too polite to ask for twice
How much do I actually need to buy a house
The down payment is only one of four numbers, and it is usually not the one that trips people up.
Read the article CWhat credit score do I need for a home loan
There is a floor, it is lower than you have been told, and the score is not the only thing being read.
Read the article FFHA vs Conventional, which one fits you
They are not better and worse. They are built for different files, and the mortgage insurance is what usually decides it.
Read the articleA partner who is transparent, hardworking and committed to the closing table
Recognised as a Scotsman Guide Top Originator and a member of the NAHREP Top 250, working across residential, commercial and hard money lending. The recognition is an honour. The real measure is the families who got the keys.
Let us find out what you qualify for
A short conversation is worth more than a month of reading about it. No credit pull to start, and no pressure at the end.