Carlos ruiz your mortgage pro

Need help with your mortgage process? We've got you covered!


Home Purchases & Refinances


I will help guide you to pick the perfect loan for your current situation:

  • Residential, investment, and commercial real estate
  • Market trends
  • The real estate buying and selling process

Loan Products & Programs



  • Fixed & ARM Loans
  • Conventional Loans
  • FHA Loans
  • VA Loans
  • Jumbo Loans
  • Self Employed Loans
  • Non QM Loans
  • ITIN Loans
  • Investment Loans



With over 26 years and having closed over 10,000 home loans. I am confident we can help you with your home loan needs while exceeding your expectations.


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Contact Us

Send Message

NMLS ID: 389289

Carlos Ruiz, with Total Lending Concepts

7000 E. Belleview Ave, #360, Greenwood Village, CO 80111

(303)-417-7112 Office (303) 257-3736 Cell


Monday - Friday: 9am - 5pm

Saturday: By appointment

Sunday: Closed