Helping You Afford The American Dream
5 Star Service | BBB A+ Lender
Branch Manager | NMLS# 1059437
Helping You Afford The American Dream
5 Star Service
BBB A+ Lender
About Raul Ruiz
Everyone’s economic and life situation is unique, and I keep that in mind when finding the best loan program for my borrowers. My 15+ years of lending experience has enabled me to efficiently identify and support the diverse needs of my clients, which range from first time home buyers, non-U.S. residents, self-employed entrepreneurs, and multiple property owners. What stands out to my clients is my commitment to learning about their goals and using them to help build a solid plan to ensure they are not only met, but surpassed.
My specialties include foreign national programs with currency exchanges, new construction business, jumbo loans & first time home buyer programs. If you ever have a concern or question, my Miami, FL mortgage team and I are a quick phone call or email away, and we always look forward to opportunities to communicate with you.
Mortgage loans are uniquely individual, we offer a wide range of residential loan programs tailored to your specific needs, including first time home buyer programs, low down payment, debt consolidation, investment properties, home improvement loans, and niche loan programs.
First time homebuyers may be able to purchase with as little as 3% down. Homeowners may refinance up to 85% and take cash out. Purchase using gift funds for your down payment or refinance and roll closing costs into your loan.
FHA Loans are great loans for people looking for lower down payment requirements and flexible qualifications. They offer:
- Purchase, refinance, and home renovation financing options.
- As low as 3.5% down payment.
- Down Payment Assistance programs available.
- Minimum 580 credit score.
- Ability to use monetary gifts for down payments or closing costs.
- No prepayment penalties if you pay off your home early.
Veterans and surviving spouses may purchase or refinance with no money down, no appraisal fee, and no mortgage insurance premiums. You may be able to roll closing costs into the loan with minimal paperwork. *May have upfront fees.
With a USDA Loan, qualified borrowers can purchase or refinance a property, located in a designated rural area, up to 100% LTV. USDA Loans are not limited to first time homebuyers and feature no down payment requirement.
HomeStyle® , HomeReady™, 203(k), Bank Statement Loans, and more!
Tap into the available equity in your home or consolidate high interest credit card debt with a Cash-Out Refinance.
Lower your interest rate, change loan terms, and possibly remove mortgage insurance with a Rate & Term Refinance.
Homeowners may take advantage of low rates without having to go through the full refinance process. No appraisal and no income documents required. Borrowers may also be eligible for a refund on their original mortgage insurance premium.
Purchase or refinance with LTV’s as high as 80% for one-unit properties. Jumbo loans are available for primary residence and second home properties valued up to $3 million. Homeowners may qualify with a minimum FICO score of 700.
Reverse mortgages are available to homeowners 62 years or older, allowing them to possibly tap into their homes equity. Borrowers must continue to make property tax, insurance, and other maintenance payments in order to avoid risk of default.
What People Say
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Contact me today!
Whether you are in the market for a new home or refinancing your current loan we have you covered. I will guide you through the process from start to finish painlessly. Contact me today for a free consultation!