Amy Ruiz, Mortgage Loan Officer - NMLS #2008320

03/02/2026

Daylight savings kicks off Sunday, March 8.

Longer evenings are a great reminder of what makes a home feel like home: comfort, routines, and the little moments we make time for.

If you or someone you know is planning a move this spring, I’m always here as a resource. Contact me today.

Citizens

08/29/2025

Long holiday weekends like this are perfect for recharging and reflecting on the journey—whether it's building a family, growing your career or finding the perfect home. Here's to celebrating progress, big and small. 🏡

07/04/2025

From all of us at Citizens, we wish everyone a happy and safe Independence Day! 🎆

03/06/2025

Spring forward into homeownership! With longer daylight hours, you have more time to tour homes, envision your future space in natural light, and make the most of the busy real estate season.

02/14/2025

Green has never looked better! 💚 This , why not show some love to another important relationship in your life—your home finances.

Ready to love your money?

01/17/2025

To celebrate Martin Luther King Jr., we honor his life, legacy and unwavering commitment to justice, peace and equality for all people.

Join us in embodying his mission of achieving meaningful change, and learn how we celebrate his work year-round through our arts and culture community partnerships: https://www.citizensbank.com/about-us/community/citizens-impact/fostering-positive-social-change-through-arts.aspx?ctzMode=CFG-SOC_FBK_EDT_CTZ_ECS_MLK2025

12/23/2024

I want to take a moment to wish my clients and their families the happiest of holidays and a wonderful new year!

12/05/2024

Interest rates are falling and homebuyers are taking note - mortgage demand jumped 6% in the last week!

Potential homebuyers are responding to lower mortgage rates and a higher supply of homes for sale.

11/28/2024

To my clients, colleagues, and partners: thank you for a great year. I’m grateful for our continued collaboration and success!

Whatever go-to dishes you bring to the table, I hope you have a peaceful and delicious holiday.

11/12/2024

Are you a Veteran or active-duty Service member and planning to buy a home? Citizens is proud to offer VA Home Loans for qualified borrowers. A VA Home Loan offers flexible terms, a competitive rate, and financing up to 100% of the purchase price.*

Contact me to review the VA Home Loan benefits and eligibility requirements.

*To be eligible, a veteran must have a Certificate of Eligibility with sufficient “entitlement” to cover the loan guarantee. All loans are subject to approval.

10/30/2024

Here’s a friendly reminder that daylight saving starts Sunday, November 3 at 2 am. Clocks are turned back one hour, giving you and extra hour to sleep (and dream of your next big move). 😴🏡

10/17/2024

Experts say there is a possibility that the cooling economy could support lower interest rates, but warn about the dangers of waiting for the "perfect rate".

Soon after the Fed lowered interest rates last month, mortgage rates reached a 2024 low point, but the news has not been as good since.