Conventional Loans
Flexible financing options for qualified homebuyers. Conventional loans may offer competitive terms depending on borrower qualifications.
LEARN MORE →Mortgage guidance
that feels personal.
Clear education, responsive communication and practical guidance for homebuyers, homeowners, investors and real estate partners.
Website available in English • Español • Português
LOAN SOLUTIONS FOR EVERY GOAL
The right loan. The right guidance.
Explore common financing paths. Click any option to learn more.
FHA Loans
Government-insured financing that may allow lower down-payment options for eligible borrowers.
LEARN MORE →VA Loans
Mortgage options for eligible veterans, active-duty service members and qualifying spouses.
LEARN MORE →USDA Loans
Eligible borrowers purchasing in qualifying areas may have access to USDA financing.
LEARN MORE →Jumbo Loans
Financing for loan amounts above conforming limits, subject to investor and borrower requirements.
LEARN MORE →Non-QM Loans
Alternative documentation and specialty programs for borrowers whose income or financial profile may not fit traditional guidelines.
LEARN MORE →DSCR Loans
Investment-property financing evaluated primarily around property cash flow, subject to program requirements.
LEARN MORE →Foreign National
Possible financing options for eligible international borrowers purchasing U.S. real estate.
LEARN MORE →Down Payment Assistance
Eligible borrowers may have access to assistance programs depending on program availability and requirements.
LEARN MORE →ABOUT CR MORTGAGE GROUP
Experience should make the mortgage process clearer — not more complicated.
Led by Mortgage Broker / Owner Carl Ruiz, CR Mortgage Group focuses on clear education, responsive communication and practical guidance for borrowers across Florida.
Carl Ruiz
Mortgage Broker / Owner
CR Mortgage Group, LLC
CREDENTIALS
Experience. Integrity. Results.
Licensing and identification information is displayed clearly throughout the website.
Individual NMLS#495042
Company NMLS#2857148
FL Loan Originator#LO129579
FL Mortgage Brokerage#MBR8725
HOW IT WORKS
A clearer mortgage journey.
Start with a conversation
Tell us what you want to accomplish and where you are in the process.
Review possible options
Understand potential loan paths, documentation and next steps.
Apply securely
Complete sensitive information only inside the approved secure mortgage portal.
Stay informed
Receive clear communication as your mortgage moves through the process.
WHO WE HELP
Different goals deserve different guidance.
Homebuyers
Buying a first home or making your next move? Start with a conversation about possible financing paths.
REQUEST GUIDANCEInvestors
Explore investment-property financing, including DSCR and other specialty options subject to eligibility.
TALK INVESTMENT LOANSForeign Nationals
Learn about possible mortgage options for eligible international borrowers purchasing U.S. property.
ASK ABOUT OPTIONSFOR REAL ESTATE PROFESSIONALS
A mortgage partner who helps you take care of your clients.
Clear borrower communication, dependable updates and practical mortgage guidance designed to support the transaction.
MORTGAGE RESOURCES
Useful tools before you make a decision.
Monthly Principal & Interest Estimator
$2,528.27Estimated monthly principal & interest only
Educational estimate only. Not a loan offer, approval, rate quote or commitment to lend.
FREQUENTLY ASKED QUESTIONS
Start with the basics.
A preapproval is a preliminary review of qualifying information that may help estimate a potential buying range. It is not a final loan approval.
Use the Secure Application button on this website. Sensitive borrower information should only be entered in the approved mortgage application portal.
CR Mortgage Group is currently licensed in Florida.
Common items may include identification, income documentation, asset statements and other documents requested during the mortgage process.
Prequalification is generally an early estimate based on preliminary information. Preapproval typically involves a deeper review of financial information.
Yes. Options may be available for first-time buyers depending on program availability and borrower eligibility.
Yes. CR Mortgage Group works with investors and may offer DSCR and other specialty options depending on eligibility.
Yes. Available programs and documentation requirements depend on the borrower's specific financial profile.
MORTGAGE GUIDES
Explore financing topics in more detail.
Read focused, educational guides for common Florida mortgage goals.
RESOURCE
First-time homebuyer mortgage guidance in Florida
A clear starting point for first-time homebuyers in Florida. Learn about preparation, possible loan paths and the secure application process with CR Mortgage Group.
READ GUIDE →RESOURCEFHA loan guidance in Florida
Learn how FHA-insured mortgage financing may fit eligible Florida homebuyers and what to discuss with CR Mortgage Group before applying.
READ GUIDE →RESOURCEVA loan guidance for eligible Florida borrowers
Explore general VA mortgage information for eligible veterans, active-duty service members and qualifying spouses in Florida with CR Mortgage Group.
READ GUIDE →RESOURCEDSCR loan guidance for Florida real estate investors
Learn how DSCR financing may be used by eligible Florida real estate investors and discuss investment-property mortgage options with CR Mortgage Group.
READ GUIDE →RESOURCEMortgage guidance for foreign nationals buying property in Florida
Explore possible mortgage paths for eligible foreign national buyers purchasing Florida real estate with guidance from CR Mortgage Group.
READ GUIDE →RESOURCEMortgage guidance for Florida homebuyers and investors
Work with CR Mortgage Group for clear mortgage guidance in Florida. Explore purchase, refinance, investor and specialty financing paths with Carl Ruiz.
READ GUIDE →CLIENT REVIEWS
See what borrowers say about working with Carl.
Read current client feedback directly on Carl Ruiz's public Zillow lender profile.
Public reviews on Zillow
Open Carl's public lender profile to review current borrower feedback.
READ ZILLOW REVIEWSREQUEST PERSONAL GUIDANCE
Tell Carl what you're trying to accomplish.
This short form is for general contact only. Do not submit Social Security numbers, bank statements, tax returns or other sensitive financial information here.