Luz Ruiztagle Home Loans

Luz Ruiztagle Home Loans Mortgage Loan Officer. Certified Divorce Lending Professional. CDLP®

05/01/2026

Sertoma’s mission of improving the quality of life by empowering those with hearing loss and communication challenges. With last year’s event, we were able to almost double the amount of kids they are able to help at the clinic and we donated funds to Sounding Joy to provide free hearing aids to babies on up to teens. Please consider supporting this amazing cause. 🎶💕

Most divorce settlements don’t fail because of bad legal work.They fail because of financial blind spots.When real prope...
04/08/2026

Most divorce settlements don’t fail because of bad legal work.
They fail because of financial blind spots.

When real property decisions are made without aligning to lending guidelines, income realities, and long-term feasibility…
what looks solid in the agreement can fall apart after the fact.

This is where many cases break down:

A refinance that was never actually possible
Income that doesn’t meet underwriting standards
Equity decisions that don’t translate into executable outcomes
The result? Delays, disputes, and clients left in unstable positions.

As a Certified Divorce Lending Professional (CDLP®), my role is to help ensure that real property decisions are not just negotiated—but actually work in practice.

If you’re structuring agreements involving real estate, this is worth a read. Because a settlement should hold up not just in court… but in real life.

Send me a DM and I'll send you the newsletter.

03/21/2026

Peaceful 🌊💕

03/05/2026

🏡 First-Time Homebuyer? Your Journey Starts Here!

Buying your first home can feel overwhelming, but it doesn’t have to be. With the right guidance, the process becomes exciting, empowering, and absolutely achievable.

✨ Low down payment options
✨ Competitive interest rates
✨ Programs designed specifically for first-time buyers

Whether you’re just starting to think about buying or you’re ready to begin the process, I’m here to help guide you every step of the way—from pre-approval to closing day.

📩 Send me a message to learn about your options and how close you might be to owning your first home!

Keeping the house isn’t the same as affording the house.Make sure the numbers support the decision.When you’re going thr...
02/25/2026

Keeping the house isn’t the same as affording the house.
Make sure the numbers support the decision.

When you’re going through a divorce, the home can feel like the one thing you want to hold onto. It represents stability, memories, and a sense of control during a time that feels uncertain.

But before agreeing to keep the house, it’s important to understand what that decision truly means financially.

Can you qualify to refinance on your own?
Will support income count the way you expect?
Does the monthly payment comfortably fit your new budget?
Will you still be able to save, invest, and plan for the future?
Divorce changes how income, debt, and mortgage eligibility are evaluated. What seems possible during negotiations may not align with actual lending guidelines.

The goal isn’t just to keep the home.
The goal is to protect your financial future.

Before finalizing any agreement involving real estate, take the time to review the numbers carefully and understand your options.

If you’re navigating divorce and trying to decide what to do with the house, reach out. I’m here to help you evaluate your options so you can move forward with clarity and confidence.

02/20/2026

I am beyond excited to announce that now I am Mortgage Broker! 🥂
What does this mean for YOU? As a Broker, I now have access to a massive network of wholesale lenders.
This means:
✅ Lower rates & wholesale pricing
✅ More loan programs (Jumbo, Self-Employed, FHA, & more)
✅ Custom solutions for “outside the box” scenarios
✅ Faster closings and personalized service
Whether you’re looking to buy your first home or your next investment property, I now have the ultimate toolkit to get you to the finish line. 🏁
Let’s get you home! DM me with any questions! 📩
HomeOwnership

Excited to announce that I am licensed to do mortgages in Pennsylvania. If you or your clients are buying or refinancing...
01/08/2026

Excited to announce that I am licensed to do mortgages in Pennsylvania. If you or your clients are buying or refinancing in PA, I would be happy to help you. 🏡💕.

If divorce is part of your story this year, one of the most important things you can do is slow down before making perma...
01/08/2026

If divorce is part of your story this year, one of the most important things you can do is slow down before making permanent housing decisions.

Too often, people are pressured to decide what to do with the home before they fully understand their options. That’s when stress increases and mistakes happen.

A divorce mortgage plan helps bring clarity to a confusing time by answering questions like:
• Can I realistically keep the home?
• What does refinancing or a buyout actually require?
• What are my options before anything is finalized?

You don’t need all the answers today, but you do deserve a clear strategy before you make decisions that affect your future.

If you need help creating a housing strategy this year, reach out. A conversation can bring clarity, options, and peace of mind.

Navigating the financial aspects of divorce can be overwhelming, but securing an equity buyout preapproval offers clarit...
11/23/2024

Navigating the financial aspects of divorce can be overwhelming, but securing an equity buyout preapproval offers clarity and peace of mind for both parties. This crucial step ensures that everyone is financially protected and sets the foundation for a smoother transition:

If you're the spouse retaining the home, it confirms you qualify for a mortgage and can afford to keep the property.
If you're the departing spouse, the preapproval guarantees that the retaining spouse has the financial ability to complete the buyout, ensuring you receive your fair share of the home’s value.
This process helps reduce uncertainty, minimize conflict, and ease the financial strain during divorce.

Working with a Certified Divorce Lending Professional (CDLP®) ensures expert guidance through the complexities of divorce mortgage planning. If you or someone you know is going through a divorce and facing decisions about the family home, contact me for support.

When it comes to qualifying for a mortgage, how alimony is received can make a big difference. It's crucial to know that...
11/19/2024

When it comes to qualifying for a mortgage, how alimony is received can make a big difference. It's crucial to know that alimony paid in advance doesn't count towards mortgage qualification, and semi-annual payments are only considered after six consecutive payments have been received. This six-month rule helps establish the stability and reliability of the alimony income.

For family law professionals, mediators, and divorce financial planners, understanding these details is key to guiding clients effectively through settlement and negotiations. Consistent and well-documented alimony payments can significantly impact securing favorable mortgage terms.

As a Certified Divorce Lending Professional (CDLP®), I can help navigate these complexities and ensure all financial aspects are accurately considered. Let’s work together to make the mortgage process smoother during or after your divorce.

Address

Sarasota, FL

Telephone

+19419578428

Website

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