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

09/09/2026

5.0 star review received on Experience.com for Jay Ruess by Lana F - The people I talked to and the fact I didn't even have to leave my house . Everything was vwry clear and went smooth. Thank you for making it happen I appreciate the effort you took and would definitely recommend you to my family and friends .

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08/17/2026

5.0 star review received on Experience.com for Jay Ruess by Thomas J - Jay was very knowledgeable, friendly. Prompt with suggestions, prompt with answers, and prompt with replies to either phone calls, texts, or emails. Overall outstanding always left me with a smile on mt face.

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08/14/2026

4.75 star review received on Experience.com for Jay Ruess by Melanie B - Thanks for all your help and for always being there to answer questions!

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07/23/2026

🏡 Your home’s equity could help fund your next big goal—without replacing your current first mortgage.

Whether you’re looking to consolidate debt, complete home improvements, cover a major expense, or simply create more financial flexibility, our HELOC options may provide the funds you need.

✅ No hard credit check to review your options
✅ No appraisal may be required
✅ Alternative income verification available
✅ Interest-only and extended-term options
✅ Credit lines available up to $5 million
✅ Fast closing options available

See what you may qualify for with no obligation.

📞 Call or text Jay Ruess at 949-617-3950
West Capital Lending

Program availability and qualification requirements apply. Equal Housing Opportunity.

07/16/2026

🏡 New Reverse Mortgage Option Now Available in Tennessee and Minnesota!

Homeowners in TN and MN now have access to a new reverse mortgage option with loan limits higher than what may be available through a traditional HECM.

If you have looked at a reverse and the numbers didnt work this program may be for you.

This could allow eligible homeowners to access more of their home equity for:

✅ Paying off an existing mortgage
✅ Increasing monthly cash flow
✅ Consolidating debt
✅ Covering home improvements or major expenses
✅ Creating additional financial flexibility in retirement

For homeowners with higher-value properties, this new program may provide access to significantly more funds than the previously available HECM option.

📩 Message me to see how much you may qualify for and compare your available options.

06/23/2026