Business Page
The Rueth Team
Lender
5.0 stars
391 Reviews
Markets served
Nationwide
Except the following states:
Connecticut
District of Columbia
Delaware
Hawaii
Maine
Maryland
New Hampshire
New York
North Dakota
South Dakota
Nationwide
Except the following states:
Connecticut
District of Columbia
Delaware
Hawaii
Maine
Maryland
New Hampshire
New York
North Dakota
South Dakota
Licenses
Company NMLS
#3029
Additional info available at the
NMLS consumer access website
Additional Licenses & Information
Personal NMLS: #239840 Branch NMLS: #1773803 Alabama: #85130 Alaska: AKMLO-239840 Arizona: LO-1000759 Arkansas: #239840 California: CA-DBO239840 Colorado: #100010644 Florida: #LO45757 Georgia: #239840 Idaho: MLO-2080239840 Illinois: # 031.0060372 Indiana: #45151 Iowa: #52252 Kansas: LO.0043230 Kentucky: MC852112 Louisiana: None...
About us
Most lenders understand loans. We understand portfolios, because we're building one ourselves. The Rueth Team is led by Nicole Rueth, a mortgage strategist with 60+ doors, active acquisitions, and two decades of closing complex deals. When you bring us a deal, we're not running it through a checklist. We're modeling it the same way we model our own: cash flow, leverage, long-term wealth impact, and what it means for the next acquisition. We specialize in the structures that most lenders won't touch: DSCR, asset-based, no-ratio, and Non-QM loans alongside conventional and government products. House hackers, BRRRR investors, 1031 exchangers, portfolio builders. This is what we do every day. Active investors and licensed lenders in Colorado, Florida, Nevada, and North Carolina. We know these markets because we own in them. Licensed in 43 states, so we go wherever your portfolio takes you.
Specialties
Conventional & Gov.
Refinance (investment)
Conventional Rental Loan
VA Loan
Conventional Loan
Home Equity (primary home)
Refinance (primary home)
USDA Loan
FHA
Hard/Private/Non-QM
Home Equity (investment)
Fix & Flip
DSCR (long-term rental)
DSCR (short-term rental)
Ground Up & Land Dev. Loan
Rehab for Buy & Hold
Balance Sheet Loan
Bridge Loan
Foreign National Loan
Refinance (investment)
Reviews (391)
5.0 stars
391 Reviews
5.0 stars
391 Reviews
0.0 star
0 Reviews
5.0 stars
2 weeks ago
Reviewed by
Mike Mackski
Cara and Nicole were absolutely amazing during this entire process. As a first time home buyer I was full of questions and they were able to provide answers to all of them very quickly and accurately. I could not have asked for a better team to help me through this process. Would 100% recommend and use them again.
5.0 stars
a month ago
Reviewed by
Katie Shults
We had an amazing experience with CrossCountry Mortgage! The entire process was incredibly easy and fast, and their team was extremely proactive from start to finish. They were always several steps ahead, had everything prepared days in advance, and made sure we knew exactly what to expect throughout the process.
Any time we had a question, they were quick to respond and always had an answer for us. They made what could have been a stressful process feel simple and seamless. We would 100% recommend using CrossCountry Mortgage to anyone looking. We had such a great experience and would use them 100 times over!
5.0 stars
a month ago
Reviewed by
Daniel Cohen
The Rueth Team has handled my mortgage needs for several transaction over the years and they have never failed to get me across the finish line despite sometimes challenging circumstances on my end. In lending, experience matters and Nicole and her team have seen it all. A special shout out to Cara, Susan and Elijah who helped me with my latest transaction. You all are the best!
5.0 stars
Edited a month ago
Reviewed by
V A (jeanjean)
Bethany and the whole team at CrossCountry Mortgage,
Thank you so much for your quick responses throughout the entire process. You never seemed bothered by my many texts, emails, or phone calls, and I truly appreciated your patience and willingness to help.
My experience was that, even though we live in different states, you made me feel as though I had known you personally. You genuinely cared about us and our situation while working through our loan process, and that personal touch meant a lot to me.
Thank you again for all your time, patience, and support. It was truly a pleasure working with you and the entire team. Jean
5.0 stars
2 months ago
Reviewed by
Logan Laude
I had the pleasure of working with Bethany, and the experience was incredible! As a real estate agent, I get weary when a client wants to use an out-of-state lender, but Bethany was heavily referred to my client, and ever since the first conversation, I understood why.
Bethany was on top of everything, all the time. Whether we needed to update an application because of a job change, get closing cost estimates, or monthly estimates, she was always there.
On top of it all, she is extremely personable! She truly cares for each one of her clients by making the process fun, stress-free, and informative.
I truly enjoyed my experience with her, and I would highly recommend her!
5.0 stars
2 months ago
Reviewed by
Caitlin Buckley
We had an excellent experience with the Rueth Team! We moved from Texas to Colorado on a very short timeline and Nicole, Cara, and Susan were incredible to work with. They provided options for us to buy our new house before we sold our Texas house and helped us figure out what worked best for our situation. They walked us through the entire process, clearly communicated any issues we might have, and were always available to answer our questions.
5.0 stars
2 months ago
Reviewed by
Leanna Catalano
Yessica and the rest of the Rueth Team are amazing. From the initial call from the owner to explain the process to working alongside Yessica, it was a smooth process. They never hesitated to take the time out of their day to answer my questions. I highly recommend the Rueth Team for your real estate needs.
5.0 stars
5 months ago
Reviewed by
Mark Schwinn
We had an outstanding experience working with the Rueth Team at CrossCountry Mortgage, especially Kim Bierne. From start to finish, Kim helped guide us through the process of securing funding for our new home with exceptional communication, professionalism, and care.
Even across different time zones, Kim was always available, responsive, and incredibly helpful. Her knowledge, encouragement, empathy, and positive attitude made what is normally one of the most stressful parts of life feel easy and even enjoyable.
We truly felt supported every step of the way, and we could not be more pleased with the experience. We highly recommend Kim Bierne and the Rueth Team to anyone looking for a mortgage team that genuinely cares about their clients.
5.0 stars
6 months ago
Reviewed by
Ann Ismo
We want to give a big thank you to Cara and the Rueth Team! We recently closed on our first home, a 2 unit duplex, using CrossCountry Mortgage and couldn’t be happier with how smooth the entire process felt. From start to finish, our loan was closed in under 21 days, which was significantly faster than we expected for first time buyers. They even rescued us from a previous bad loan experience with a different company. Their team was highly efficient, and the communication was clear and timely so we always knew what to expect next.
One of the most important things for us was customer service, cost, and Cross Country achieved both. They offered a lower fees than the other options we were considering, which helped keep our closing costs down. They monitored mortgage rates closely to give us the best possible deal and were always on top of our mortgage rate, keeping us informed about market changes. For a first time home buying experience, they truly made the mortgage process easy and stress free and we would absolutely recommend them to other buyers. I will send anyone I know to this team! - Tom & Ana
5.0 stars
6 months ago
Reviewed by
Ayasha Richards
My husband and I recently purchased our home with the help of the Rueth Team, and we couldn’t be happier with the experience! From start to finish, everything was smooth, organized, and completely stress-free.
A special shoutout to Eric on the lending side and Heather as our realtor—they were both incredible to work with. They kept everything moving quickly, communicated clearly, and made sure we felt confident every step of the way.
Thanks to their expertise and support, we are now in our beautiful new home, and we’re so grateful. If you’re looking for a team that truly delivers, we highly recommend the Rueth Team!
5.0 stars
2 weeks ago
Reviewed by
Mike Mackski
Cara and Nicole were absolutely amazing during this entire process. As a first time home buyer I was full of questions and they were able to provide answers to all of them very quickly and accurately. I could not have asked for a better team to help me through this process. Would 100% recommend and use them again.
5.0 stars
a month ago
Reviewed by
Katie Shults
We had an amazing experience with CrossCountry Mortgage! The entire process was incredibly easy and fast, and their team was extremely proactive from start to finish. They were always several steps ahead, had everything prepared days in advance, and made sure we knew exactly what to expect throughout the process.
Any time we had a question, they were quick to respond and always had an answer for us. They made what could have been a stressful process feel simple and seamless. We would 100% recommend using CrossCountry Mortgage to anyone looking. We had such a great experience and would use them 100 times over!
5.0 stars
a month ago
Reviewed by
Daniel Cohen
The Rueth Team has handled my mortgage needs for several transaction over the years and they have never failed to get me across the finish line despite sometimes challenging circumstances on my end. In lending, experience matters and Nicole and her team have seen it all. A special shout out to Cara, Susan and Elijah who helped me with my latest transaction. You all are the best!
5.0 stars
Edited a month ago
Reviewed by
V A (jeanjean)
Bethany and the whole team at CrossCountry Mortgage,
Thank you so much for your quick responses throughout the entire process. You never seemed bothered by my many texts, emails, or phone calls, and I truly appreciated your patience and willingness to help.
My experience was that, even though we live in different states, you made me feel as though I had known you personally. You genuinely cared about us and our situation while working through our loan process, and that personal touch meant a lot to me.
Thank you again for all your time, patience, and support. It was truly a pleasure working with you and the entire team. Jean
5.0 stars
2 months ago
Reviewed by
Logan Laude
I had the pleasure of working with Bethany, and the experience was incredible! As a real estate agent, I get weary when a client wants to use an out-of-state lender, but Bethany was heavily referred to my client, and ever since the first conversation, I understood why.
Bethany was on top of everything, all the time. Whether we needed to update an application because of a job change, get closing cost estimates, or monthly estimates, she was always there.
On top of it all, she is extremely personable! She truly cares for each one of her clients by making the process fun, stress-free, and informative.
I truly enjoyed my experience with her, and I would highly recommend her!
5.0 stars
2 months ago
Reviewed by
Caitlin Buckley
We had an excellent experience with the Rueth Team! We moved from Texas to Colorado on a very short timeline and Nicole, Cara, and Susan were incredible to work with. They provided options for us to buy our new house before we sold our Texas house and helped us figure out what worked best for our situation. They walked us through the entire process, clearly communicated any issues we might have, and were always available to answer our questions.
5.0 stars
2 months ago
Reviewed by
Leanna Catalano
Yessica and the rest of the Rueth Team are amazing. From the initial call from the owner to explain the process to working alongside Yessica, it was a smooth process. They never hesitated to take the time out of their day to answer my questions. I highly recommend the Rueth Team for your real estate needs.
5.0 stars
5 months ago
Reviewed by
Mark Schwinn
We had an outstanding experience working with the Rueth Team at CrossCountry Mortgage, especially Kim Bierne. From start to finish, Kim helped guide us through the process of securing funding for our new home with exceptional communication, professionalism, and care.
Even across different time zones, Kim was always available, responsive, and incredibly helpful. Her knowledge, encouragement, empathy, and positive attitude made what is normally one of the most stressful parts of life feel easy and even enjoyable.
We truly felt supported every step of the way, and we could not be more pleased with the experience. We highly recommend Kim Bierne and the Rueth Team to anyone looking for a mortgage team that genuinely cares about their clients.
5.0 stars
6 months ago
Reviewed by
Ann Ismo
We want to give a big thank you to Cara and the Rueth Team! We recently closed on our first home, a 2 unit duplex, using CrossCountry Mortgage and couldn’t be happier with how smooth the entire process felt. From start to finish, our loan was closed in under 21 days, which was significantly faster than we expected for first time buyers. They even rescued us from a previous bad loan experience with a different company. Their team was highly efficient, and the communication was clear and timely so we always knew what to expect next.
One of the most important things for us was customer service, cost, and Cross Country achieved both. They offered a lower fees than the other options we were considering, which helped keep our closing costs down. They monitored mortgage rates closely to give us the best possible deal and were always on top of our mortgage rate, keeping us informed about market changes. For a first time home buying experience, they truly made the mortgage process easy and stress free and we would absolutely recommend them to other buyers. I will send anyone I know to this team! - Tom & Ana
5.0 stars
6 months ago
Reviewed by
Ayasha Richards
My husband and I recently purchased our home with the help of the Rueth Team, and we couldn’t be happier with the experience! From start to finish, everything was smooth, organized, and completely stress-free.
A special shoutout to Eric on the lending side and Heather as our realtor—they were both incredible to work with. They kept everything moving quickly, communicated clearly, and made sure we felt confident every step of the way.
Thanks to their expertise and support, we are now in our beautiful new home, and we’re so grateful. If you’re looking for a team that truly delivers, we highly recommend the Rueth Team!