Professional profile
About Hector M. Ruiz
Hector M. Ruiz Jr. is a dual-licensed real estate agent and mortgage loan originator known for guiding clients through complex residential and commercial transactions with precision, speed, and strategic clarity. With a strong background in construction lending, business acquisitions, DSCR, and hard-money financing, Hector offers a rare blend of underwriting expertise and real-estate insight that benefits developers, investors, and luxury buyers alike. His experience spans mixed-use properties, investment acquisitions, new construction projects, and portfolio expansion across California and key out-of-state markets. Backed by more than 15 years of operational leadership-including work with Fortune 500 organizations and service as a U.S. Army veteran-Hector brings a disciplined, business-minded approach to every client relationship. Known for his responsiveness and ability to simplify even the most challenging deals, Hector provides a client experience rooted in transparency, professionalism, and results.