Carlos Ruiz - Branch Manager

NMLS# 389289
Cell: 303-257-3736
Centennial, CO 80112
Licensed in CO & CA 
 Habla Español 

Carlos Ruiz - Branch Manager

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 28 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 29 years. My wife has also been working in the mortgage industry as an underwriter for over 20 years. We have a twenty-one year-old daughter, Isabel, who is currently studying at Denver University and who played 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. Everything that I do, 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
 

 Jumbo Financing
Self-Employed/Complex-Income Borrowers
Veteran’s Financing
First-Time Homebuyers
Education & Advising
Government Loans
FHA Specialist
Refinance Specialist
Down-payment Assistance Program