Austin Ruffner wearing a black patterned button-up shirt in a professional headshot against a light gray background.

Austin Ruffner

Loan Officer

NMLS# 1497651

Resources & Guides

Get Pre-Approved

Ready to buy a home? Getting pre-approved helps you understand how much you can afford and shows sellers you’re serious.

Refinance

Is your mortgage aligned with your goals? Refinancing could help save money, shorten your term, or tap into your home’s equity.

DPA

Homeownership may be closer than you realize. Down payment assistance can reduce upfront costs. See your options with our tool.

Prospective homebuyers reviewing documents with a real estate professional during a home purchase consultation.

How It Works

Step 1: Book a Free Consultation
Step 2: Submit Your Loan Application
Step 3: Get Pre-Approved
Step 4: Find a Home & Make Offer
Step 5: Loan Closing
Step 6: Congratulations, Get Your Keys!

Meet My Team

Robert Kersting in a professional headshot wearing a dark dress shirt and light-colored tie against a light gray background.

Robert Kersting

Nichole Daniel professional headshot outdoors with shoulder-length dark hair, photographed against a natural landscape background.

Nichole Daniel

Mortgage Blog

I am authorized to do business in the states of Arizona, California, and Illinois. AZ Mortgage Banker Lic# 0931565; AZ Branch Lic. #0947596; RWM Home Loans AZ Lic. #0947596; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act

Arizona License by 16626 E Ashbrook Drive Unit A, Fountain Hills, AZ 85268

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