Prestige Mortgage Lending Janet Ruiz NMLS 1016458

04/16/2026

Buying a home looks different for everyone, and there is no one-size-fits-all answer.

Some buyers want to keep more money in the bank with down payment assistance, while others want to put more down to lower their monthly payment. Some are ready now, and others may want to wait a little longer.

The good news is there are options.

Comment A, B, C, or D below and let me know where you are in your homebuying journey. I would love to help you explore what may work best for you.

Whether you are a first-time buyer, veteran, self-employed, or working on your credit, there may be more programs available than you think.

Message me anytime if you would like to see what you qualify for.

Janet Ruiz
Prestige Mortgage Lending
NMLS 1016458
805-630-5154

07/30/2025

📣 MARKET UPDATE | FED ANNOUNCEMENT 7/30/25
The Federal Reserve has officially decided to hold interest rates steady—no change at today’s meeting.

While there was speculation we could see a shift, this decision helps provide some short-term stability for our buyers and sellers navigating the market.

Contact me if you, or someone you know is looking to purchase. I can provide them with the guidance to be informed while moving forward successfully into their new home!

Janet Phiefer-Ruiz
Sr. Mortgage Loan Officer | Branch Manager

07/12/2025

Happy Saturday! Remember to prioritize your safety while showing homes and feel free to reach out for support.

Today, I'll be working on pre-approvals for buyers. To discuss pre-approval for your next home purchase, please don't hesitate to DM me, or for an immediate response contact me at 805 630-5154.

05/22/2025

📉 We’re finally starting to see home prices drop!
If you’ve been waiting for the right time to buy — this could be it. 🏡

Let’s talk about what this means for your loan options, current rates, and how we can get you into your dream home. I’m here to guide you every step of the way!

📲 Message me for a personalized breakdown.
Licensed in Texas and California – helping buyers win every day!

Redfin's latest data hints at a changing pace

05/05/2025

Read the full article to stay in the know

04/04/2025

Curious about where the real estate market is heading?
Rates, prices, and trends are shifting—and it’s more important than ever to stay ahead of the curve.
In this quick video, I break down what’s happening right now and what it could mean for you as a buyer or seller.

Let’s chat if you want to explore your options—I’m here to help!

Enjoy this quick update on what's going on in the housing and financial markets.

03/27/2025

While pending home sales increased from last month, numbers remain near record lows

11/16/2024

5 Creative Ways Gen Zers Are Affording High Housing Costs
Contact me to discuss the latest scoop in real estate!

11/14/2024

Essential Tips for Selecting Mortgage Brokers

11/13/2024

3 mortgage rate mistakes to avoid
Contact me to discuss the latest scoop in real estate!