About ME

Eric Ruiz

Hello, my name is Eric and I would like to thank you for visiting my website. Choosing the right person to help you finance your home is one of the most important decisions you can make. In a highly competitive market as we are in, sellers and their agents want a personal guarantee that the transaction will go smooth and as planned.

The wrong person could cause the process to be difficult and very confusing. The wrong bank could cost you real money by possibly causing your offer not to be accepted or not closing on time which could cause you to lose your hard earned earnest money deposit.

Whether you are a first time home buyer, a seasoned homeowner, an investor, or would like to consolidate debt, cash out or lower your rate,  I would like to be your personal loan officer.  I am available when you are weekday, weekend, or evening.  I began helping families buy and refinance their homes as a loan officer in 1992. As a father of two I understand how much the right home impacts the family. I use my experience daily and stay current with my training so that I can bring the most value to my clients.

My goal is to help customize and secure the right mortgage to fit my clients unique situations. I’m extremely thankful for the hundreds of lives that I’ve been able to enrich throughout my career, and excited for the opportunity to help you as well.  My past clients have become life-long friends and I hope that you'll give me the opportunity to help you, and my promise is that I will do all that I can to make the process simple, easy, and your homeownership dreams come true.

Bank of England has taken pride in being there when our borrowers need us. Our mission is to deliver total value to our customers. This means competitive rates, STRESS-FREE closings, extensive product knowledge, and a friendly, helpful attitude.

Bank of England has taken pride in being there when our borrowers need us. Our mission is to deliver total value to our customers. This means competitive rates, STRESS-FREE closings, extensive product knowledge, and a friendly, helpful attitude.


Our Loan Programs

We are committed to helping you understand and compare home mortgage loan options. So we've compiled a list of some common questions about mortgages that we frequently hear from our customers. If you don't find the answer you are looking for, please contact us right now!

  • Fixed Rate Mortgage

    FIXED RATE MORTGAGE


    For borrowers that plan to stay in their homes for a long time, ENG Lending offers several fixed rate mortgage options —including 10, 15, 20, and 30 year programs.

  • Adjustable Rate Mortgage

    ADJUSTABLE RATE MORTGAGE


    Our adjustable rate mortgages offer an excellent option for home buyers - a lower rate than traditional fixed-rate mortgages offer and the stability of longer-term fixed-rate mortgages.

  • FHA Loans

    FHA LOANS


    An FHA loan provides low-cost insured home mortgage loans that suit a variety of purchasing options. Whether you're buying or refinancing your home, an FHA loan might be right for you.

  • VA Loans

    VA LOANS


    We offer an easy-to-understand loan process for our veterans. Whether you're buying a home or refinancing your existing mortgage, we are your ultimate VA loan information center.

  • Vacation Home Loans

    VACATION HOME LOANS


    Our vacation home mortgages make your dreams - backyard barbecues and sunsets by the lake, relaxing fishing trips with children and grand children, family skiing vacations - a reality.

  • Jumbo Mortgage

    JUMBO LOANS


    If amount of the loan for your dream home exceeds the federal limits for conventional loans, you need a jumbo mortgage loan from ENG Lending.

  • USDA Mortgage

    USDA Loans


    A home loan from the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered to rural property owners by the United States Department of Agriculture.

Eric Ruiz

Contact Us

Let us help make your dreams come true.

Contact Information

385 Main Street Suite 201 Longmont CO, 80501