The Rueth Team - CrossCountry Mortgage

The Rueth Team - CrossCountry Mortgage Helping people use real estate to build wealth, create stability, and make smart money moves. Want a smooth process, open communication?

Personal NMLS239840
Branch NMLS1773803
Company NMLS3029
Equal Housing Opportunity
Licensed by the New Jersey Department of Banking and Insurance Local, Strategic, Solution Oriented, Service GUARANTEED home loans. Want to know you can reach your lender 7 days a week? As a Producing Branch Manager, I have full access to underwriters, programs and appraisal managers. Give us a call today and find out what simple lending looks like.

09/22/2026

I grew up watching my mom raise a family on food stamps, and quickly I learned what scarcity feels like. This scarcity mindset took many years to retrain.

I wanted to be sure wealth conversations started at a young age with our children. I wanted them to form positive relationships with money.

The wealth I care about passing down is the belief that you can be in control of your financial destiny.

09/21/2026

If you're over 40, I already know what you're thinking. I'm not sharing my kitchen with a roommate. Fair. But house hacking after 40 doesn't look like it did in your twenties.
Here's what it actually looks like at this stage, especially if you're going through a transition like a divorce or or life transition and you need income coming in now.

Got a single-family home with a walkout basement? That's an Airbnb with its own entrance. You never share your space. Got room in the backyard? An ADU, a small separate unit, can bring in rent every month without anyone stepping foot inside your house. Or rent out the home you're in now and move into a duplex or fourplex, live in one side, let the other units help cover the whole thing.

Same idea you've heard for the young crowd. Grown-up version. Your privacy stays intact and a property starts paying you instead of just costing you.

The honest part: which of these actually works depends on your home, your numbers, and your local rules, some areas have restrictions on ADUs and short-term rentals. That's worth checking before you build anything.

You don't need to be 20-something to do this. You need a place to start and a plan to execute. If you're in a season of change and you want income coming in, send me a message and we'll figure out which move fits your situation.

09/19/2026

If you are trying to figure out your next move and don’t really know where to begin, let’s chat. Send me a message and I’ll help you take your first step.

09/18/2026

The problem with that number is not that it’s wrong, It’s just not accounting for real life.

A real payment has four or five moving parts, and most of them depend on things a calculator has no way to know. Your county sets the taxes. The property and your carrier set the insurance. Your down payment determines whether mortgage insurance is in the picture at all. And… let’s not forget the HOA. None of these fit in a form with four boxes, so the form leaves it out and hands you a tidy number you can’t really trust.

If you want to strategize a plan with a real human, send us a message.

09/17/2026

A 30-year mortgage doesn't have to take 30 years.

On a $400,000 loan at 6.25%, here's what adding a little extra to principal actually does. These are the exact numbers.

1 extra payment a year: pays it off about 5.6 years early and saves roughly $107,000 in interest.

2 extra payments a year: about 9.25 years early and roughly $172,000 saved.

3 extra payments a year: nearly 11.8 years early and about $217,000 saved.

These figures are an example on a $400,000 loan at 6.25%. Your real results depend on your rate, your loan terms, and making sure every extra dollar is actually applied to principal.
This is the part most of these posts leave out, because it's the part that matters most. A lot of servicers will hold an extra payment, or push it toward next month, unless you specifically tell them to apply it to principal. So if you do this, say those exact words, apply to principal, every single time. Otherwise you're not buying years back, you're just paying ahead.

It doesn't have to be a whole payment at once, either. Splitting it across the year works too. The point is that small, consistent extra principal quietly erases years off your loan and tens of thousands in interest.

Want to see what this looks like on your actual loan? Send me a message and I'll run your real numbers.

09/16/2026

Some of the best clients I've had did not buy until their fifties.

They come in almost apologizing for it…like there was a window and they missed it, and now they're asking for something they should have handled twenty years ago. That's not how any of this works. The people buying at fifty-two usually have steadier income, a clearer sense of what they actually want the property to do, and far less patience for a bad decision than they had at thirty. Those are advantages. Nobody frames them that way because the whole conversation is aimed at first-time buyers in their twenties.

You are not behind. Send me a message. Let’s get started.

09/15/2026

My house hacking method is what took me from 1 door to 60+ doors. Comment Hack and I’ll send you the simplified method for growing a portfolio when it feels impossible. This will help you create the strategy for your first property and or expanding your portfolio.

09/12/2026

The four questions in this video are questions any lender should be able to answer without hesitating.

Here's what I'd add. You're not being difficult by asking questions. If it feels uncomfortable to ask your lender questions, you probably don’t have the right lender.

Changing your circumstances means changing how you actually live.It comes down to three things. Knowing what you want. P...
09/11/2026

Changing your circumstances means changing how you actually live.

It comes down to three things. Knowing what you want. Picking a path to get there. Then being relentless about the discipline that path requires, day after day after day.

Living my life this way changed everything for me. It changed what I could give my kids and it changed what I'll leave behind for them.

So if you know you were meant to be living differently, pick the path and walk it. Be faithful about it. Don't be afraid of boring. Those small repeated moves you make every single day when nobody's watching are the ones that actually transform a life. Remember, daily anything changes everything.

09/10/2026

If you're keeping your current home and renting it out to help you qualify for the next one on a conventional loan, a signed lease no longer proves that rent. You'll need third-party evidence of what the place actually rents for in your market.

Here's the part nobody's covering. If you've already been a landlord for a while, the rules treat you differently than someone renting out a property for the first time. Experience is the dividing line, and it always has been. Experience is also the one thing you can only get by starting.

Which is the same answer it's always been. Start now.

If you need help getting started, send me a message.

Address

750 W Hampden Avenue, Ste 500
Englewood, CO
80110

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Wednesday 8am - 6pm
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+13032146393

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