the ruulio difference
Deep analysis, the lowest rates, and more ways to qualify—delivered through a simpler, more personal mortgage experience.
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Free New Home Analysis Report
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Flat-Fee Pricing. The Lowest Rates.
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More Programs. More Ways to Qualify.
From the first strategy call through closing, you work directly with one mortgage professional who compares programs, explains the tradeoffs, and keeps every step clear and moving forward.
Tailored Mortgage Solutions
From traditional mortgages to specialized programs for self-employed borrowers and investors, Ruulio compares options from a broad network of lenders to find the right fit.
Home Purchase & Refinance
Self-Employed & Alternative Income
Investment & DSCR Loans
START WITH AN ADVANTAGE
[01]
FREE NEW HOME ANALYSIS REPORT
For any home you’re considering, receive a clear breakdown of estimated financing, projected property taxes, flood-zone information, property valuation data, bond/interest rate market specifics and other details that can affect your decision.
Get the information and financing confidence you need before making an offer.
[02]
NO-COST, SOFT-CREDIT PRE-APPROVAL
Get pre-approved using a soft credit inquiry that does not affect your credit score. There is no fee for pre-approval, so you can understand your buying power or refinance eligibility without a hard inquiry or upfront cost.
MEET YOUR MORTGAGE ADVISOR
Joseph J. Nichols
As Ruulio’s Broker-Owner, with nearly 15 years in mortgage lending experience, Joe works directly with every client—from the first strategy call through closing. He combines broad lender access, detailed property analysis, and clear, proactive guidance to help homebuyers, homeowners, and investors make confident financing decisions.
Broker-Owner
NMLS #1419240
WHAT REAL ESTATE PROFESSIONALS SAY ABOUT WORKING WITH RUULIO
★★★★★
“I’ve been selling Real Estate for a long time, and Joe is by far the most professional, responsive, and best lender I have worked with. He is who I am referring all of my clients to now because not only does he have the best rates but the best customer service. Highly recommend Joe and Ruulio mortgage.”
Jake Fletcher
Real Estate Professional · Fletcher Group at eXp Realty
★★★★★
“Consistent, timely, and valuable updates are the norm when working with Joe, so the client, agents, and title companies are always up to speed on the status of the loan. Joe just got one of my clients the lowest rate that I’ve seen in years and had the clear to close 3 weeks early. Awesome!”
Rianne Thorne
(03)
"As a first-time buyer, I felt supported and informed from start to finish. Highly recommend."
Mateo Santi
