arrow

YOUR MORTGAGE
is a click away

accolade
Nicole Ruiz play

Nicole Ruiz

Senior Mortgage Loan Officer [email protected] nmls#1957409
apply now

our core values

growthGrowth Mindset

honestTransparent

rocketAbove and Beyond

ideaProcess Driven

careCompassionate

heartHumble

lawIntegrity

lionLoyal

flexibleNimble

An educator at heart, Nicole Ruiz is eager to apply her education background to the mortgage industry by ensuring clients are informed and comfortable throughout the loan process. Motivated by her goals to help people achieve their own, Nicole is excited about helping clients become homeowners, a goal many aspire to achieve. When Nicole isn’t taking exceptional care of her clients, you can find her riding bikes through the neighborhood with her family, getting a good workout in, and creating everlasting keepsakes by crafting. Reach out to Nicole today to learn how she can help you become a homeowner!

Here's how we do things

Apply Online
Get
Pre-Approved
Begin Home
Search
Loan Submitted
to Processing
Clear to Close!
beautifulgirl

Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.

beautifulgirl

Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.

beautifulgirl

Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.

beautifulgirl

This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.

beautifulgirl

After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.

Check out my

Reviews