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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 Centennial Branch NMLS #389289

303.257.3736
Branch Address: 12200 Briarwood Ave, #170 Centennial, CO, 80112

About Carlos


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

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