The Rueth Team - CrossCountry Mortgage

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The Rueth Team - CrossCountry Mortgage Helping people use real estate to build wealth, create stability, and make smart money moves. Want a smooth process, open communication?

Personal NMLS239840
Branch NMLS1773803
Company NMLS3029
Equal Housing Opportunity
Licensed by the New Jersey Department of Banking and Insurance Local, Strategic, Solution Oriented, Service GUARANTEED home loans. Want to know you can reach your lender 7 days a week? As a Producing Branch Manager, I have full access to underwriters, programs and appraisal managers. Give us a call today and find out what simple lending looks like.

10/31/2026

Nothing to see here, just another sheet show at the office 👻

10/29/2026

Real Estate 101. The wealth plan nobody taught you in school. 👇

1️⃣ Buy with the bank's money.
2️⃣ Let your tenant pay down the loan.
3️⃣ Keep the cash flow that's left over.
4️⃣ Let time and appreciation do the rest.
5️⃣ Do it again with the equity you built.

That's it. No secret formula. No perfect timing. Just a simple plan you repeat, and the patience to let it work.

The hardest part isn't the strategy. It's step one. And step one starts with knowing your numbers: what you qualify for, what the property needs to rent for, and what it takes to make the math work.

This is where I come in. Every step comes with its own requirements, and I'll help you see exactly where you stand.

Send me a message when you're ready to start step one.

A legendary investor just predicted a major oil spike, and it could end up on your mortgage. Here's what that actually m...
10/28/2026

A legendary investor just predicted a major oil spike, and it could end up on your mortgage. Here's what that actually means for you.

On CNBC, Paul Tudor Jones said oil could jump another $20 to $25 a barrel as the Iran conflict drags on. This was on October 13. Here's the part he didn't say, but I will. When oil spikes, the price of almost everything climbs with it. That's inflation. And when inflation runs hot, mortgage rates usually follow it right up.

So while everyone's sitting still, waiting for rates to drop, the bigger risk might be that they move the other way first.

I'm not here to scare you. Nobody knows exactly where rates go next, not me, not him, not anyone. But waiting for rates to fall isn't a plan. It's a hope with no exit date, and no backup if they go up instead.

Here's the part most people miss. The buyers who win in any market aren't the ones who got the best rate. They're the ones who had the best strategy. Two people can get the exact same rate and end up in completely different places, because of how the loan was built around their life. That's the part I do.

If the headlines have you frozen, let's talk. I'll look at your whole picture and build the plan that gets you into a home no matter what rates do.

There is always a way. Comment STRATEGY and I’ll help you work your plan.

This reflects market commentary as of October 2026. It is not a prediction of future rates or a rate quote. Paul Tudor Jones commented on oil markets, not mortgage rates; the connection drawn here is my own interpretation. As always, I recommend you talk to a licensed professional about your specific situation.

10/27/2026

Comment HACK and I’ll show you how to do this.

One thing I wish every homeowner knew: you could cover your mortgage by renting the space you're not even using. 🏡

The spare bedroom that turned into storage. The basement you walk past every day. The apartment above the garage. The guest room that gets used twice a year.

That's not just extra space. That's potential income.

Rent out a room. Finish the basement into a separate unit. Turn that space into a mid-term rental for traveling nurses or professionals. Depending on your market and your setup, that income could cover part of your mortgage, or in some cases, all of it.

Now, let me be real with you. Check your local zoning, your HOA rules, your insurance, and your tax situation before you list anything. Every market is different, and the numbers need to make sense.

But most people are sitting on an opportunity they walk past every single day. This is called house hacking and it’s a real strategy. It's how you turn the home you live in into an asset that works for you.

Comment Hack and I’ll show you how to do it.

10/26/2026

Everybody's recommending DSCR loans right now. Here's why I talked someone out of one last week. 👇

DSCR has become the answer to every question. And it's not.

A DSCR loan exists to solve a specific problem. Your income won't qualify you. Your debt-to-income is maxed. Or your tax returns don't reflect what you actually make. If that's you, it's a great tool, and it's the reason so many investors can keep buying.

But if your income is clean and your ratio has room? Running to a DSCR loan because it sounds sophisticated usually means paying for a solution to a problem you don't have. The rates and terms are built for the added risk the lender takes on. If you can still qualify the traditional way, that's usually the better deal.

The right question is never "which loan is best?" It's "which problem am I actually solving?"

And most people don't know which category they're in until someone runs the numbers. Figuring it out takes about twenty minutes, and it can shape your next five years.

Comment strategy and let's figure out which problem you're actually solving.

10/24/2026

Real estate builds wealth in a way almost nothing else does, because four things work for you at the same time. You control the asset with the bank's money. Your tenant pays down your loan. The cash flow that's left over is yours. And over time, the property tends to grow in value. Then you take the equity you've built and do it all again.

This is how one property steadily becomes a portfolio. None of this is automatic or overnight. Cash flow only exists after the real costs are covered, and appreciation isn't promised, it's a long game. But bought right and held, this is the pattern that's built more everyday wealth than almost anything else.

Want to know where your first or next move fits? Send me a message. There is always a way.

10/23/2026

Comment STRATEGY and we’ll help you work your lending strategy.

Barbara Corcoran has a net worth most people will never see in a lifetime, and she still wants to own more real estate.

The strategy she uses is not complicated, but most people have never been shown how it actually works. You buy. You hold. You let the asset build equity. Then you pull that equity out through a refinance, and because it comes out as debt rather than income, you do not hand a portion of it to the IRS, you take that capital and you put it to work again.

The question is never really about the interest rate, it's about whether what you do with the money outperforms what it cost you to borrow it.

This is how real estate wealth compounds quietly over time while other people are waiting for the perfect moment to get in.

10/22/2026

How ordinary people build EXTRAORDINARY wealth. 👇
1️⃣ Buy with the bank's money.

2️⃣ Rent out a portion of your home.

3️⃣ Pull your equity out for the next down payment.

4️⃣ Qualify on the rent, not your paycheck, with a DSCR loan on your investment property.

5️⃣ Repeat, and let time do the rest.
No trust fund. No perfect timing. No six-figure salary required. Just a plan, a little patience, and the willingness to take the first step before it feels comfortable.

Every one of these steps comes with its own qualifying requirements, and that's exactly where we come in. We help you figure out which step you're on and what it takes to get to the next one.
The people building real wealth aren't extraordinary. They are using a strategy.

Want to map out your path to wealth with real estate? Send me a message. Let's build your plan.

10/21/2026

You're down to your last million. 😅 What's the move?

Here's what I'm watching my high-net-worth clients do right now. They're diversifying. Taking some of their stock market winnings and putting it into real estate.

Why? Because real estate does things most assets can't do at the same time. It can appreciate. It can produce income. The loan gets paid down every month. It comes with tax advantages. And you can borrow against it to buy the next one without selling.

Wealth isn't just about how much you have. It's about how many things are working for you while you sleep.

And no, you don't need a million to think like this. The strategy is the same at $40,000 as it is at $4 million. The question is always: what is my money doing right now, and what could it be doing instead?

Confidence is contagious, and so is a good strategy. Let me help you gain confidence with your plan. Comment strategy.

Steal these 5 ways the wealthy find money to scale their real estate portfolio. Save this one.Most people think scaling ...
10/20/2026

Steal these 5 ways the wealthy find money to scale their real estate portfolio. Save this one.

Most people think scaling comes down to saving harder. It doesn't. The people with real portfolios just understand where the money can come from. Here are five strategies we use to help our clients.

1. Down payment? Pull it from what you already own. A cash-out refinance or HELOC can turn the equity in your current property into the down payment for the next one.

2. Maxed out? Let the property help qualify you. A DSCR loan can qualify on the rental income rather than your personal income, so your paycheck isn't the only thing lenders look at.

3. Cash tied up? A bridge loan can let you move on the next property before your current one sells, then you pay it back once it does. It's short term, so it's a timing tool, not an everyday one.

4. Lower payment? If a refinance lowers your payment, redirect those savings toward your next down payment instead of absorbing them into daily life.

5. No capital? Partner. You bring the deal, someone else brings the capital, and you share the upside. Partnerships have real legal and tax structure, so set them up with a professional.

Here's the honest part, because I'll always give you both sides. Real estate isn't risk-free. It's leverage, and leverage cuts both ways. None of these are guaranteed, and none of them replace running your real numbers with a professional but used wisely, this is how ordinary people build real wealth over time.

You might think this isn't for you but with the right plan, it can be. If you want to find the money for your next property, send me a message and we'll look at your options. There is always a way.

Address

750 W Hampden Avenue, Ste 500
Englewood, CO
80110

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 8am - 6pm
Sunday 8am - 6pm

Telephone

+13032146393

Website

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