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Josh Ruiz

Josh Ruiz

Mortgage Loan Officer

Meet Josh

Mission: Helping people turn their homeownership dreams into reality.

With more than 10 years in the financial industry, Josh’s responsible and member-focused approach has given him the tools he needs to be able to set his members down the right financial path toward homeownership. He prides himself on being able to tailor his conversations to meet the needs of the client in front of him as he strives to always provide exceptional member service. As a Mortgage Loan Officer, Josh wants to ensure that his applicants understand the home-buying process from start to finish. He will be there every step of the way to answer any questions or address concerns. As he is bilingual in both Spanish and English, he takes extra pride in assisting the Spanish-speaking community in meeting their home ownership goals.

In his free time, Josh enjoys spending time with his wife and three children. As a family, they enjoy traveling, going to concerts, and watching baseball.

Meet with Josh today to get started down the path to homeownership!

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Connect With Josh

NMLS #1413896

503-360-7399

JoRuiz@rivermarkcu.org

 

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What Does A Mortgage Loan Officer Do?

Personalized Loan Guidance

A Mortgage Loan Officer helps clients find the best loan options for their unique financial goals. By understanding a client's needs, they provide tailored advice, simplifying what can be a complex process.

Loan Application Support

From gathering documentation to submitting applications, Loan Officers guide clients every step of the way. Their expertise ensures the process stays on track and stress-free for borrowers.

Market Knowledge

With a deep understanding of local markets, a Loan Officer offers insights into trends, interest rates, and lending options. This knowledge helps clients make well-informed decisions about their home financing.

Financial Expertise

A Loan Officer analyzes credit scores, income, and debt-to-income ratios to match clients with the right mortgage products. Their financial acumen ensures all options are practical and sustainable.

Member-Centered Service

Expect prompt communication and attentive service. Loan Officers prioritize creating seamless experiences by answering questions, providing regular updates, and ensuring all concerns are addressed.

Problem Solving and Advocacy

Loan Officers act as advocates for their clients. They tackle challenges, like resolving approval issues or clarifying requirements, to keep the process moving toward homeownership goals.

Today's Rates

  • 30 Year Fixed

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    As Low As 5.975% APR*

  • 5/6 ARM

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    As Low As 6.726% APR*

  • 100% First Time Home Buyer

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    As Low As 6.932% APR*

  • HELOC

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    As Low As 6.99% APR*

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    Note for HELOC: the interest rate may increase after loan consummation.

    Home Mortgage Disclosure Act Notice

    The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.

    HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website. (www.consumerfinance.gov/hmda).

    *APR = Annual Percentage Rate

    NMLS# 405464