Headshot of Ruth Santiago

Ruth Santiago

Sr. Loan Officer

The Parker Team

NMLS #904165

448 N. 10th Street, Suite 600
Philadelphia, PA 19123
Contact Methods
tel Phone
mobile Mobile
(267) 809-1811
fax Fax
Equal Housing Opportunity

Tap into your
home equity - fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.


About Ruth

I’m a bilingual loan officer with over 25 years of experience in the mortgage industry, helping homebuyers navigate the world of home loans. With a license in Pennsylvania and New Jersey, I’m able to expand my services to help individuals and families across various communities achieve their home goals.To help you reach yours, I’ll guide you through a series of products and their benefits. We’ll discuss conventional, FHA, VA, PHFA, USDA loans, and many more to find the loan that works for you. Each day is an opportunity to get closer to the home of your dreams. Let’s take the next step toward homeownership together.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
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Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

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 215-709-4417