Star Financial • Direct Mortgage Lender
Ernest Ray Ruiz
Mortgage Loan Officer · NMLS #2305291
Whether you're buying, refinancing, or investing, Ernest provides clear guidance and personalized mortgage solutions from application through closing.
Estimate Your Monthly Payment
- Estimated loan amount
- $520,000
- Principal & interest
- $3,287 /mo
- Property taxes (estimated · 1.25% of price)
- $677 /mo
- Homeowners insurance (estimated · 0.35% of price)
- $190 /mo
Estimated total monthly housing payment
$4,153
Property taxes and homeowners insurance are automatically estimated for illustration purposes. Actual amounts vary by property, location, coverage and taxing authority.
Calculations shown are estimates for illustration only. They are not a loan approval, rate quote, or commitment to lend. Actual payment, rate, taxes, insurance, fees and eligibility depend on underwriting review.
Explore Loan Programs
A quick look at programs Ernest can help you review. Program availability, eligibility and underwriting requirements apply.
Up to 3.5% Down Payment Assistance
Potential 100% Financing
Eligible homebuyers may qualify for assistance toward their required down payment, potentially allowing them to finance 100% of the purchase price.
- Up to 3.5% toward eligible down-payment needs
- Potential 100% financing for qualified borrowers
- Available for eligible homebuyers subject to program guidelines
Potential 100% financing refers to eligible first-mortgage financing combined with available down-payment assistance. Assistance is not guaranteed. Program availability, borrower and property eligibility, credit approval, DU findings, underwriting requirements and available funds apply. Not all applicants qualify.
More Financing Options
FHA Loans
Lower down payment options for qualified buyers.
Conventional Loans
Flexible terms for strong-credit borrowers.
VA Loans
Benefits for eligible veterans and service members.
Jumbo Loans
Financing above conforming loan limits.
Bank Statement Loans
Qualify using business or personal bank deposits.
DSCR Loans
Investor loans qualified by property cash flow.
About Ernest
Ernest Ray Ruiz is a dedicated Loan Officer at Star Financial, committed to providing transparency and excellence in every transaction. Ernest focuses on building long-term relationships with his clients by offering tailored mortgage advice and a streamlined path to homeownership.