With 20 years experience in the home loan business, I am the SMART choice when seeking financing to purchase a new home or refinancing an existing home loan. I have the expertise and tenacity that proves advantageous when negotiating all facets of a real esate transaction.
Servicios en Espanol.
Business highlights
31 years of trusted experience
Services we offer
Whether you are buying your first home or refinancing an investment property, my product knowledge will give you complete confidence that you are in the best of hands. I believe that clear communication and consistent proactive practices are the most important elements in the overall success of every loan transaction. I continually strive to achieve the highest level of commitment by handling every transaction as if it were my own home loan. Make the SMART choice...contact me today!
Description of Work: First of all, thank you Mr. Ruiz and your team at Peoples First Mortgage. In this economy I was hoping to find a solution to help my widowed mother in refinancing her home and to take advantage of a possible lower interest rate. She had also hoped for some cash back to do some much needed repairs to her home. Mr. Ruiz came through with both. He not only helped, but did so with complete respect and sincerity for my mother and her needs. He performed this with complete transparency and kept her and myself "in the loop" during each step of the process. I, with no hesitation, would strongly suggest to anyone in contacting Cesar Ruiz if you are in need of such services, I did with my mom and would trust him in the hands of any of my family members and friends!
Rating Category
Rating out of 5
Yes, I recommend this pro
Richard D.
12/2012
5.0
mortgage broker
 + -1 more
We had our refinancing done by early December and saw our monthly payments drop by about $125 a month -- a very merry Christmas! All I can say is and quot;Hail Cesarand quot;!
Description of Work: We bought a home last April after 19 years moving around in a boat and then in a boat. Cesar worked with the VA and got my VA loan reestablished; we moved in and about six months later started to receive refinance offers. This raised my curiosity since it seemed way to soon to even think about refinancing so I called Cesar. He said "I was thinking about you just the other day. Let me see what I can do for you". Two or three days later he called back and told us we could save $100 (or more) a month and we wouldn't need to make December and January payments! (Merry Christmas)
Rating Category
Rating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
Richard D.
02/2012
5.0
mortgage broker
 + -1 more
Cesar started by explaining the various ways homes can be financed and the out-of-pocket costs for each. Then he went down the ;list of things I needed from the VA to qualify for a VA loan. I went down to the local office, got all the forms necessary, and turned them over to Cesar. He swiftly took care of ALL the paper work and issued my a Preliminary Letter of Qualification. Cesar Ruiz is a proffesional who fights diligently to make sure you get every last dollar you have coming to you. I'm glad I have him oin my side!
Description of Work: Worked with VA to re-establish my VA loan benefits, then pointed out a way to save several thousand dollars since I had a disability rating, again working with the VA to nail down my elegibility for this.
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FAQ
Peoples Mortgage Company is currently rated 5 overall out of 5.
Peoples Mortgage Company accepts the following forms of payment: American Express,Check,Financing Available,MasterCard,Visa
Yes, Peoples Mortgage Company offers free project estimates.
Yes, Peoples Mortgage Company offers eco-friendly accreditations.
No, Peoples Mortgage Company does not offer a senior discount.
No, Peoples Mortgage Company does not offer emergency services.
No, Peoples Mortgage Company does not offer warranties.
Peoples Mortgage Company offers the following services: Whether you are buying your first home or refinancing an investment property, my product knowledge will give you complete confidence that you are in the best of hands. I believe that clear communication and consistent proactive practices are the most important elements in the overall success of every loan transaction. I continually strive to achieve the highest level of commitment by handling every transaction as if it were my own home loan. Make the SMART choice...contact me today!