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Miriam Ruiz, (NMLS ID 704420)

Miriam Ruiz

Home Lending Sales Manager

NMLS ID: 704420

Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.

Apply Now Contact me

411 Hackensack Avenue,2nd Floor Office 203

Hackensack, NJ 07601

About Miriam Ruiz

As a mortgage professional, I've been honored to literally serve generations. I've helped both first-time homebuyers as well as their children navigate their purchases. To me, there is no higher compliment. It is a privilege and an honor to achieve the trust of guiding them on their new journey of financial empowerment.

 

The Flagstar family gives me access to the products and tools I need to provide great service and insight in these times of constant policy and procedural changes. I learned at an early age that life pays you forward for what you do for others, and I work hard educating families on financial growth. I have developed partnerships with national and local community organizations like the AFL-CIO and Hispanic Federation to work with families.

 

I believe that planning is key as “hope is not a strategy”.

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • Construction Loans
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Renovation Loans
  • Second Homes
  • VA Government Loans

Languages Spoken

  • English
  • Spanish
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Miriam Ruiz, (NMLS ID 704420)

Miriam Ruiz

Home Lending Sales Manager

NMLS ID: 704420

Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.

Apply Now Contact me

411 Hackensack Avenue,2nd Floor Office 203

Hackensack, NJ 07601

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Today's Rate

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1Rate as of 8/3/2021 4:15 PM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $986. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 8/3/2021 4:15 PM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,558. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  8/3/2021 4:15 PM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 8,400% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $933. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

Miriam Ruiz, (NMLS ID 704420)

Miriam Ruiz

Home Lending Sales Manager

NMLS ID: 704420