Jose Ruiz Photo

Jose Ruiz Loan Consultant

  • NMLS # 1730444

About Jose Ruiz

Jose Ruiz is a seasoned mortgage loan officer with years of experience in the industry. Fluent in both English and Spanish Jose is dedicated to helping clients achieve their homeownership dreams. With a strong background in finance and a commitment to personalized service, Jose works tirelessly to guide clients through the mortgage process with clarity and confidence. Whether you're a first-time homebuyer or a seasoned investor, Jose is here to provide expert advice and support every step of the way. Trust Jose to make your mortgage experience seamless and successful. Jose Ruiz, NMLS #1730444 is ready to meet the needs of the community and demonstrate why so many clients have put their trust in New American Funding over the years.

Top Rated
Mortgage Lender

4.9/5 Based on 269,421 Reviews

Company Culture

NAF360 is our commitment to 360 degrees of trust and respect

NAF360 is our strength of character. It starts with each of us and flows from one person to another. It’s the trust we build with our clients, an understanding we’re here to help. It’s our ongoing contributions to the local community, the assurance we extend a helping hand. NAF360 is felt in our offices, transmitted in every call, evident in every referral, and shines brightly in countless glowing reviews.

Pathway to HomeOwnership

Are you Ready?

At New American Funding, we believe that every person deserves a clear path to achieving their dream of homeownership. So, we created the Pathway to Homeownership initiative to alleviate some of your financial worries.

What is the Pathway to

Homeownership Initiative?

The Pathway to Homeownership offers qualified borrowers in select areas up to $8,000 in assistance. These funds are not a loan that needs to be repaid and are available to first-time homebuyers in designated areas.

This program can also potentially be combined with other down payment assistance programs to offer you even more support as you build the life of your dreams.

Contact me today for more information!

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NAF Cash Can Turn You into a Cash Buyer

Interact with our map to track cash
Purchase trends across the country

With NAF Cash, you can make a competitive, true cash offer that is not contingent on financing and close in little as seven days without having to sell your current home first.

Source: This dataset combines data from Public Records and MLS transactions. The data lists the number of all-cash purchases and the total number of home purchases nationwide including the most recent five quarters of data. (Cash purchase defined when a Property Sold record does not have a Mortgage Balance.) Data coverage is limited by available MLS coverage. Certain geographies like Georgia (especially Central GA), South Dakota and Vermont were impacted by this data availability. Land sales and manufactured (MFR) home sales are excluded from the dataset.

Loan Products

Every story of home buying is unique, we offer a variety of loans to meet our clients' needs.

You're In Good Hands!

5/5 Based on 5 reviews


Transaction Completed:

"Overall, easy and rather quick experience from start to funding. Thank you all."



Transaction Completed:

"We had tried another company and that turned into a nightmare. SO glad I was referred to Jose. He was super polite and informative along each step. Thank you SO much!"



Transaction Completed:

"The communication between all the parties"

El Paso, TX


Transaction Completed:

"José and Megan were extremely helpful."

El Paso, TX
NAF Latino Focus Logo

Mission Statement: New American Funding (NAF) is an industry leader in culture, dedication to service, and lending to underserved communities. Through Latino Focus, the company identifies and addresses the challenges of Latino consumers in their pursuit of homeownership and to enhance the quality of their lending experience. We utilize education and awareness that aims to lift the community and build generational wealth through homeownership. By 2024, NAF is committed to providing $25 billion in home loans to the Latino community.


New American Funding

EMD - El Paso I

550 South Mesa Hills Drive, Suite F-1
El Paso, TX 79912

Direct: 915-822-6268


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