Javier Ruiz is a seasoned Area Manager at Change Home Mortgage, with over 36 years of experience and expertise in both Mortgage Banking and Real Estate. He has extensive knowledge of the Southern California market as well as a national perspective, enabling him to provide comprehensive and customized solutions to his clients and partners.Javier is a leader and a collaborator, who dedicates his efforts towards Team Building, Recruitment, Branch Development, Loan Origination, and fostering partnerships between Lenders and Realtors. He is also skilled in CalHFA, Investment Properties, and Real Estate Financing, which are essential for his role and industry. His primary focus lies in serving the Latino and underserved homebuyer markets, making a positive impact on communities, and effecting change within the housing landscape. Javier is driven by his passion for helping people achieve their homeownership dreams and creating opportunities for growth and development.