Jay J. Ruess - Real Estate & Mortgage Broker, Investor

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United States
Irvine, CA
Jay J. Ruess - Real Estate & Mortgage Broker, Investor

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10+ yrs in lending experience. 7+ yrs mortgage lending experience with hundreds of millions funded

NMLS # 1420294 | NMLS # 1566096
https://westcapitallending.com/licensing
https://westcapitallending.com/texas-complaint

10/26/2026

Love your first mortgage rate but need project funds?

A HELOC or home equity loan may let you keep your first mortgage. I compare that with a cash-out refinance using three checks:

1. Both monthly payments and costs to close.
2. How the rate and payments could change.
3. Total cost and the balance left at your planned payoff date.

See what to compare before choosing: https://ruesshomeloans.com/keep-first-mortgage.html?utm_source=facebook&utm_medium=organic_social&utm_campaign=organic_pilot_2026q4&utm_content=fb_pilot_02

Jay Ruess | Branch Manager | West Capital Lending
NMLS #1420294 | CA DRE #01808757
Company NMLS #1566096 | CA DRE #02022356
Equal Housing Lender. Subject to credit approval. Terms and eligibility vary.

10/23/2026

Mortgage myth: if one lender says no, everyone will.

Not necessarily. Different lenders and loan programs can review income, credit, property type, cash flow and other factors differently.

A decline from one lender may mean that particular program was not a fit, not that there are no other paths to review.

If something did not work elsewhere, message me and I am happy to take a second look.

Explore the guide: https://ruesshomeloans.com/mortgage-second-look.html?utm_source=facebook&utm_medium=organic_social&utm_campaign=organic_pilot_2026q4&utm_content=fb_pilot_01

10/23/2026

Need access to home equity? A HELOC, home equity loan, cash-out refinance and HEI can all work very differently.

Your current mortgage, goal and preferred structure matter when comparing them. Message me if you want to look at the options side by side.

10/22/2026

Real estate investors do not always have to qualify the same way an owner-occupied borrower does.

Some DSCR programs can place more emphasis on the rental property's cash flow instead of relying solely on traditional personal-income documentation.

These programs may be available for purchases, refinances and cash-out refinances.

If you are working on an investment property, send me the property details and I can help you review the available options.

10/21/2026

There is more than one way to access home equity.

A HELOC, home equity loan, cash-out refinance and HEI can all have very different structures, costs and effects on your existing mortgage.

The right comparison starts with what you want to accomplish and what you already have in place.

Send me your goal and I can help you compare the options.

10/21/2026

Buying a home? VA, FHA and Conventional financing each have different eligibility and qualification rules. The best fit depends on the borrower, property and goals.

Message me if you want to compare the options for your purchase.

10/20/2026

HEI is another way homeowners may be able to access equity without necessarily replacing their current first mortgage.

It is important to compare the structure carefully because HEI or home equity investment terms can work differently from a HELOC, home equity loan or cash-out refinance, and terms vary by provider and program.

If you want to compare the options side by side, message me.

10/19/2026

Buying a home is not one-size-fits-all. VA, FHA and Conventional financing each have different eligibility, down payment, mortgage insurance and qualification considerations.

If you are planning a purchase, send me the state and price range you are looking at and I can help you compare the available paths.

Jay Ruess | Branch Manager

10/16/2026

Mortgage myth:

If one lender says no, every lender will.

Not necessarily. Different lenders can have different guidelines, and there are loan programs that aren't available everywhere.

A decline from one lender may mean that particular program wasn't a fit - not necessarily that there are no other options.

If you've already spoken with a lender and couldn't get something to work, I'm happy to take a second look.

10/15/2026

Real estate investors don't always have to qualify for a mortgage the same way a traditional owner-occupied borrower does.

Some investor loan programs can place more emphasis on the rental property's cash flow instead of relying solely on traditional personal-income documentation.

These types of programs can be useful for both purchasing investment properties and refinancing properties you already own.

If you're an investor working on your next deal, send me the property details and I'll tell you what options may be available.

Address

Irvine, CA

Telephone

+19498006162

Website

https://westcapitallending.com/team/Jay-Ruess, https://ruesshomeloans.com/

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