Skip to content
Frank Ruiz photo

Your Local CrossCountry Mortgage Loan Officer

Frank Ruiz

  • Loan Officer, Sales Manager
  • Edinburg, TX Mortgage Loan Officer
  • NMLS #834274
Apply Now Free Rate Quote

I’ll be with you every step of the way

Hello! My name is Frank Ruiz. I’m the sales manager for CrossCountry Mortgage in the Cameron County area of Texas. My passion is making homeownership possible for countless families, friends and referral sources. With over 15 years of experience, I look forward to helping you achieve the American dream of homeownership.

No matter if this is your first mortgage or ninth, you are my priority. I’ll start by listening to your goals and showing you how we can achieve them. We’ll discuss the steps between applying for financing and closing your loan. I’ll provide updates on your loan status, and we’ll walk together every step of the way.

Whether you want to buy, refinance or renovate, I offer a variety of loan programs to achieve your goals. From conventional and jumbo to FHA and VA, we’ll discuss specifics and personalize the mortgage experience to fit your plans. Start your journey with America’s #1 Retail Mortgage Lender.

Woman researching loan officers to find the right financing parter

Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

Contact me

Inspiration for your home loan journey

View All

Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

    Learn more

Get Pre-Approved

I’d love to hear from you.

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    By proceeding, I am consenting to receive phone calls, SMS (text messages) and emails from CrossCountry Mortgage, LLC. I expressly consent to be contacted by CrossCountry Mortgage or its agents on a recurring basis at the phone number and/or email address I provided regarding products or services via live, automated or prerecorded phone calls, SMS (text messages) or email. I understand that my telephone company may impose charges on me for these contacts, and that I am not required to sign this agreement as a condition of purchase of property, goods, or services. I understand that I may cancel this consent at any time. Reply STOP to cancel, HELP for help. Msg & data rates may apply. Msg freq. varies. Terms and Conditions/Privacy Policy apply.