The Ruiz Team - PrimeLending

The Ruiz Team - PrimeLending The Ruiz Team, with PrimeLending, a national mortgage lender making the home loan process simple. At PrimeLending, we are Home Loans Made Simple®.

Amber Ruiz, NMLS: 630442, Loan Originator
David Durst, NMLS: 2023362, Associate Loan Originator
Dani Pomeroy, NMLS: 1025804, Team Loan Originator
Ada Smith, NMLS: 2289122, Team Loan Originator

The Ruiz Team with Primelending, a national mortgage lender making the home loan process simple. For over three decades, we have helped people buy, refinance and renovate their homes. PrimeLending's loan o

fficers give customers personal attention and explain their options every step of the way. We have straightforward processes, user-friendly mobile applications and step-by-step communication to keep our customers informed and feeling at ease. We lock, approve and close loans quickly, and earn our customers' trust with our reliable service. PrimeLending loan officers help customers choose from a wide array of loan products, like fixed and adjustable rate mortgages, FHA and VA loans, jumbo loans, refinancing options, renovation loans and relocation programs. The views expressed on this site are those of the individual author and do not necessarily represent those of Hilltop Holdings, PlainsCapital Corporation or its subsidiaries. primelending.com/legal Equal Housing Lender

Need more from your home but not ready to give up the low interest rate you locked in? You aren’t alone; many homebuyers...
08/30/2024

Need more from your home but not ready to give up the low interest rate you locked in? You aren’t alone; many homebuyers who locked in low rates in 2021 have been hesitant to move. Instead of waiting for rates to drop, start making your current home fit your needs. After all, a perk of homeownership is being able to change it whenever you want.

You can start small by refreshing your paint colors, getting new furniture, or updating your flooring. Or, if you’re in the mood for a total overhaul, you can redesign your kitchen, give your bathroom the spa treatment, or change the layout of your floorplan. If you need help financing your renovation project, call, text, or DM me to talk about your loan options.

08/23/2024

Still searching for the best mortgage? It might be time to let someone take a second look. DM me for details.

Congrats to all of our June and July Closings!
08/20/2024

Congrats to all of our June and July Closings!

It’s tuition time. Are your finances ready? You could use a home equity loan or cash-out refinance to tap into your home...
08/16/2024

It’s tuition time. Are your finances ready? You could use a home equity loan or cash-out refinance to tap into your home equity to get the cash you need to pay for school expenses.

A home equity loan uses your current home as collateral on a second mortgage to access a portion of your home’s equity, while a cash-out refinance lets you refinance your current loan to a higher amount and you pocket the difference.

Contact me today to find out the right option for you.

Get ready to hit the books because it’s time to go back to school! Good luck to all of the teachers, students and parent...
08/12/2024

Get ready to hit the books because it’s time to go back to school! Good luck to all of the teachers, students and parents who are back in the classroom. What was your favorite subject in school?

08/09/2024

Happy National Book Lovers Day! Did you know that the world’s oldest known library was founded sometime in the 7th century B.C.? Whether you prefer print books to e-readers, set some time aside today to enjoy a good book. Tell me what you’re reading in the comments!

Source: https://www.history.com/news/8-impressive-ancient-libraries

I know it's exciting when you finally find a house you love and you’re getting ready to move! How you're going to decora...
06/29/2024

I know it's exciting when you finally find a house you love and you’re getting ready to move! How you're going to decorate, what furniture you want to buy, etc. Here are some things NOT to do while you’re waiting to get to the closing table:
DON’T deposit large sums of cash
DON’T make any large purchases
DON’T cosign loans for anyone
DON’T switch bank accounts
DON’T apply for new credit
DON’T close any accounts
DON’T change jobs
Bottom line – everyone involved in the loan wants the process to go as smoothly as possible. Before you move money around or buy that new car while you’re under contract on a home, always make sure you consult with ME, your lender!

For a limited time, dive into homeownership with lower payments thanks to Summer Splash Buydown program, PrimeLending’s ...
06/24/2024

For a limited time, dive into homeownership with lower payments thanks to Summer Splash Buydown program, PrimeLending’s 1-0 temporary buydown!* By effectively lowering the interest rate on the first year of your FHA, VA or USDA loan, your journey to becoming a homeowner could be smooth sailing. How is that possible? Funds for a 1-0 buydown are placed into an escrow account that will be used to subsidize your mortgage payments for the first year of the loan, making the first year of homeownership more affordable. When the first year is up, your payments will return to the standard fixed rate. Contact me today and mention promo code SUMMER SPLASH to get all the details.

Lower payments mean more affordability, more money in your pocket and more time to adjust to a new budget. That’s more reasons to jump into homeownership this summer! Contact me today and mention promo code SUMMER to get all the details.

*Buydown 1-0 Option will be paid by PrimeLending. Rate discount applies only to first year. Must apply for and lock loan through PrimeLending by 8/31/24 and loan must close by 12/31/24. Savings will reflect on the Closing Disclosure. Offer only available for FHA, VA, and USDA purchase loans. Excludes bond, broker, conventional products, high balance, jumbo products, portfolio products, construction loans, and refinances. Offer can be paired with PrimeLending VA No Lender Fees promotion, all other promotions are excluded. Certain loan programs do not allow buydowns. Additional restrictions may apply, contact a PrimeLending loan officer for details.

https://lo.primelending.com/amber.ruiz/

Holding out on buying a home in the hope of getting a lower interest rate? I totally get it! Here are my thoughts on why...
06/24/2024

Holding out on buying a home in the hope of getting a lower interest rate? I totally get it! Here are my thoughts on why waiting for rates to drop might not be the best idea if you can afford to buy.

Potential homebuyers priced out of today's market will be itching to buy if rates come down. You may want to avoid the competition from other buyers flooding the market.

Rates change, so do home and rent prices. While you're waiting for rates to come down, housing prices may continue to rise which can make the overall cost of homeownership more expensive. You can lock in a steady mortgage payment now and enjoy the equity that you build in the years to come.

Deciding whether you want to wait or not depends on your individual circumstances. Chat with a financial advisor or send me a DM to help you weigh the pros and cons!

06/20/2024

It's officially summer! Grab your shades, a chair and some SPF before going out to catch some rays and relax. Hope your first day of summer starts the season off right on the right foot.

Happy Juneteenth—a day of joy, freedom, and reflection. It's a time to honor the strength and determination of those who...
06/19/2024

Happy Juneteenth—a day of joy, freedom, and reflection. It's a time to honor the strength and determination of those who fought for justice and to celebrate the rich culture and contributions of the African American community. Let's embrace this day as an opportunity to unite in our shared commitment to equality and progress. Let's spread love, understanding, and joy as we look forward to a brighter future together. ?

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