What Our Clients Have to Say

Carizmic Home Loans BBB Business Review
In a world of online experts and push-button mortgages, Carizmic Home Loans believes the human connection still matters.

Our name, Carizmic (Ka-RIZ-Mik), was created with one very specific thing in mind: family.  Our founder, Carlos Ruiz, values the importance of family and wanted it to be woven into his company.  With that in mind, he was able to come up with what became our company name; "Car" for Carlos, "iz" for his daughter Izzy, and "mic" for his wife Michele. 
Carizmic Home Loans was created by Carlos on the foundation of not only creating a company but a family that is dedicated to giving our clients the best experience possible. Carlos has been helping families with their mortgage financing needs for over 29 years. He has closed over 10,000 home loans in his career and has the experience to help you with your financial needs. From the first time home buyer to the more experienced homeowner he will guide you through the home loan process with confidence that he will take care of any issues along the way. 

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 advisors, we are constantly expanding our knowledge and staying current on the latest mortgage and real estate trends so that we can offer you smart loan options and a superior loan experience – because at Carizmic Home Loans We Create Experiences That Matter. The team we have of experienced operations staff and loan officers are ready to help you with any questions or concerns you may have throughout the process. My team and I emphasize listening first so we can provide you with personalized mortgage solutions, based on your unique circumstances and goals. 

We pledge to handle every facet of your transaction with professionalism, dedication, and personalized care. It’s our goal that you are 100% satisfied throughout the entire transaction.
Let our passion make your homeownership dreams a reality.
Our Specialties are:
First-time Homebuyer 
Self-Employed/Complex-Income Borrowers
Veteran’s Financing
Jumbo Financing
Education & Advising
Reverse Mortgage loans
Non-Conforming loans
Refinance Specialist
Down-payment Assistance Programs

Lending available in over 49 States

Si Hablamos Espanol


Carizmic Home Loans-PRMG  Mortgage Corp.
12200 East Briarwood Avenue, Suite #170, Centennial, CO 80112

12200 Pecos St, #185, Westminster CO 80234

(303) 694-8772
NMLS # 2023014
Licensed in CO, CA, NJ

Loans Available in over 49 States

Monday - Friday: 8am - 5pm
Saturday-Sunday: By appointment