Think outside the branch for your mortgage! Whether you are a first-time buyer or an experienced buyer with excellent credit, Cheri Ruim has access to the very best products and mortgage rates. While a bank is limited to only the products from their particular institution, a licensed Mortgage Broker Cheri Ruim has an access to credit unions, trust companies, and financial institutions. Cheri Ruim works on a borrower’s behalf to find the lowest available mortgage rates and/or the best loan programs through numerous lenders. Cheri Ruim will help you understand what’s a difference between rates, terms and conditions and how it can affect the lifetime cost of your home, as well as your monthly payments and financial flexibility. Cheri Ruim puts your interests above all else when negotiating and managing processes with real estate agents, credit agencies, lenders, lawyers and everyone in between to guarantee your satisfaction. Cheri Ruim is here to help with your mortgage needs!