Find A Loan Advisor | Carlos Ruiz

Rosa Briggs

NMLS #117032 | AZ #0922278

Loan Advisor • Everett Branch

Phone: 425.268.0245
Fax: 425.903.3891
Licensed in CA, OR, AZ, and WA

Carlos Ruiz

Branch Manager • Greenwood Village Branch • NMLS #389289

303.257.3736

Branch Address: 7000 E. Belleview Ave Ste. 360 Greenwood Village, CO 80111

In a world of online experts and push-button mortgages, I believe the human connection still matters. There is never a one-size-fits-all solution when it comes to making one of the biggest financial commitments of your life. As your mortgage advisor, I am constantly expanding my knowledge and staying current on the latest mortgage and real estate trends so that I can offer you smart loan options and a superior loan experience – because at Carizmic Home Loans we Create Experiences That Matter. My team and I listen first so we can provide you with personalized mortgage solutions, based on your unique circumstances and goals.

I’ve been in the mortgage industry for 27 years and I still love coming to work each day. I pledge to handle every facet of your transaction with professionalism, dedication and personalized care. It’s my goal that you are 100% satisfied throughout the entire transaction.

At the heart of everything I do is my family. They motivate me to be my best self every day, especially my beautiful wife Michele of 26 years. My wife also works in the mortgage industry as an underwriter for over 20 years. We have a nineteen-year-old daughter, Isabel, who is currently a sophomore at Denver University and is playing on the Amateur golf tour. Our other two kids take the form of English Mastiffs and play a large role in the size of our furniture. I do everything that I do for my family and I bring the same mentality and passion to work every day.

Let my passion make your homeownership dreams a reality.

My Specialties are:

Jumbo Financing

Self-Employed/Complex-Income Borrowers

Veteran’s Financing

First-Time Homebuyers

Education & Advising

Government Loans

FHA Specialist

Refinance Specialist

Down-payment Assistance Programs

Licensed in CO and CA

Helping you achieve and continue your dream of homeownership is my passion and joy! Whether you are buying a home for the first time, or the 20th, you deserve to be excited and have an impressive financing experience! Having been in the real estate industry since 1996, I have collected a practical, well-rounded education on the entire real estate process. Partnering with American Pacific Mortgage gives me the necessary tools to deliver a smooth and pleasant experience.

I want to get to know you! By understanding your short and long term goals, together we structure the loan and process tailored to your specific needs. You will have an advocate from the start, your questions are answered and consistent communication is maintained, thus ensuring your expectations are met.

My mission is to dedicate my time and energy to delivering first-class service to you, my client. My intention is not to help you secure a home loan one time, but to build a strong, lasting, lifelong relationship as your referrals are the heart of my business.

Being a wife and mother of two is my motivation and hobby. I’m so proud of my son & daughter and so grateful that I’ve had a career that allowed me to be the Mom they needed. Originally from Montana, I graduated from Lynnwood High School and have mostly lived in Snohomish County since; volunteering at my kids’ schools, sports clubs, and music organizations. Another passion of mine is mentoring teens through my church; and the bonus is I get to participate in all their fun activities! I enjoy watching movies (partial to sci-fi), playing board/card games and reading a variety of books daily and I have to admit that I do also play Clash of Clans (for those that know what I’m talking about).

Trained Lending Professional with the Washington State Housing Finance Commission
Seattle Magazine Five Star Mortgage Professional - Best in Client Satisfaction
Certified Military Housing Specialist with USA Cares
Member of Rate Mastery

Branch Address: 808 134th Street SW, Ste 205 Everett, WA 98204