Eric Bernard Ruiz with Guild Mortgage

06/10/2026

Chenoa Fund™ is a nationwide down payment assistance program.

06/09/2026

06/09/2026

Check out this incredible listing by Isabelle Wright

MLS # 1050277
𝐉𝐮𝐧𝐞 𝐢𝐬 𝐇𝐨𝐦𝐞𝐨𝐰𝐧𝐞𝐫𝐬𝐡𝐢𝐩 𝐌𝐨𝐧𝐭𝐡—the perfect time to make your move into a place you'll love to call home! 🏡

Discover everything 4303 Lacewood Ln in Johnstown has to offer, from beautiful finishes and spacious living areas to an incredible community filled with resort-style amenities. Whether you're a first-time buyer, moving up, or looking for your next chapter, this exceptional home provides the comfort, convenience, and lifestyle that make homeownership so rewarding.

Celebrate Homeownership Month by taking a tour and seeing why 4303 Lacewood Ln could be the perfect place to create lasting memories!

06/06/2026

5.0 star review received on Experience.com for Eric Ruiz by Yoselin S - The service is excellent and very professional; plus, they respond on Saturdays and Sundays.

06/03/2026

Sellers hate hearing this, but pricing a home is not a creative writing exercise.

It's not based on the year you bought it. It's not based on the renovations you funded with a HELOC.
It's not based on the equity number you penciled into your retirement plan.
It's not based on what your brother-in-law's friend got for "basically the same house" three towns over.

It's based on one thing and one thing only: what buyers have actually paid, in your specific market, in the last 90 days, for homes that genuinely compare to yours.

That's the entire science. There is no other math.

The market is a brutal accountant.

It doesn't care how much you owe.
It doesn't care how much you spent.
It doesn't care what an algorithm projected.

It just looks at the most recent transactions and renders a verdict.

The agents you trust are the ones who walk you through that data instead of pretending your home is exempt from it.

The agents you regret hiring are the ones who agreed with whatever number got them the listing and then watched it die on the market.

One conversation hurts at the appointment. The other hurts every day for 90 days.

05/18/2026

5.0 star review received on Experience.com for Eric Ruiz by Nadia T - The constant communication that Eric had throughout the transaction and was on top of dates for the FHA seasoning period.

Click to see all 71 reviews of Guild Mortgage - Eric Ruiz, Loan Officer | NMLS # 1526773

05/14/2026