Javier Ruiz
Executive Vice President @Winn Mortgage
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WORK HISTORY
Executive Vice President @Winn Mortgage
SKILLS
ABOUT JAVIER RUIZ
A seasoned Mortgage Banker with over 36 years of experience in both Mortgage Banking and Real Estate, currently serving clients and partners through EZ Fundings in Corona Del Mar, CA.With deep knowledge of the Southern California market and a strong national lending perspective, I specialize in crafting customized mortgage solutions—particularly for self-employed borrowers, real estate investors, and clients with complex income structures.My areas of expertise include: • Jumbo Luxury & Non-QM Lending • Investment Properties & Construction Loans • Alternative Documentation (Bank Statement, P&L, DSCR) • Cash-Out Refinancing & Creative Structuring and Bridge lendingBeyond origination, I’m passionate about team building, branch development, recruitment, and creating strong partnerships between lenders and realtors. My mission is to drive impact through financial empowerment—helping clients realize their homeownership goals while fostering growth and opportunity in the communities we serve.Let’s connect if you’re looking for an experienced, knowledgeable, solutions-driven lending partner—or want to build something great in the mortgage space.
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