Justin Ruiz

Loan Officer

NMLS #1284726

6975 S Union Park Center, Suite 420
Cottonwood Heights, UT 84047
(801) 713-4046 (801) 713-4046
[email protected]
Specializes in
Purchase and Refinance
Refinance Loans



About Justin

Before I started in the mortgage industry, I was an Olympic wrestler and won individual bronze and team gold at the world championships. Now I bring the same hard work and dedication I used to become a world class athlete to give you the home financing experience you deserve.

I love working with people on their home loans! It’s so great to see people move into their new homes or know I’ve made a difference in their lives by helping them refinance. I’m excited to assist you with your mortgage needs.

First we’ll discuss your homeownership goals and specific situation. Then I’ll help you understand your loan options, how the loan process works, and the role of your mortgage in your financial plan. I’ll keep you informed of your loan’s progress the entire time and will always be available to answer your questions. From application to closing, my plan is to make your transaction smooth and easy.

My leisure time is filled with the joy of family time. I share my life with my wonderful wife and our 5 little girls. There’s never a dull moment in our home!


Recent Posts and Articles

  • 4 Reasons Why You Should Compare Mortgages

    Are you ready to buy a house? Browse our broad selection of mortgage products and loan officers to find the best fit for your home financing situation.

  • The Power of Choice When Buying a Home or Refinancing a Mortgage

    There is no right or wrong answer when it comes to selecting a mortgage. Whether you’re buying a home or refinancing your current mortgage, there are several programs to choose from to help you reach your financial and personal goals.

  • Expand Your Horizons By Refinancing Your Mortgage

    Refinancing a mortgage does more than lower mortgage interest rates. Discover how you can get closer to achieving your life goals after refinancing your loan!

  • Is This a Good Time to Refinance? 

    Trying to decide if you should refinance your mortgage? We’ve crafted a list of reasons why refinancing your mortgage could be the right fit for you!

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.


Helping your home financing process go smoothly.

  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at (801) 713-4046

Enter security code:
 Security code