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Nicole Ruiz play

Nicole Ruiz

Senior Mortgage Loan Officer [email protected] nmls#1957409
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our core values

growthGrowth Mindset


rocketAbove and Beyond

ideaProcess Driven






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
Begin Home
Loan Submitted
to Processing
Clear to Close!

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.


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.


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.


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.


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.

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