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Cindy Ruth

Cindy Ruth Loan Originator inVoorhees, New Jersey

Loan Originator, NMLS: 738578
Licensed in: CA, DE, MD, NJ, PA acting on behalf of Envoy Mortgage

About Cindy Ruth

Cindy is a seasoned mortgage professional with 24 years of lending experience in Voorhees, New Jersey at Envoy Mortgage. She began her career in 1997 as a mortgage loan originator at a broker shop working in St. Louis, doing mostly refinance transactions. She then moved to wholesale lending from 2003 until 2008 and supported 65 mortgage broker shops as the bank’s liaison. After the economic downturn of 2008, Cindy entered the banking and builder sector of lending, moving to the Bay Area of San Francisco in 2011. In the Bay Area, Cindy was doing mostly Community Lending and Non-QM business. In 2017, she moved to the South Jersey market to be near her children and granddaughters. Cindy feels at home here and truly loves the history, culture, and people of the metro area.

Cindy is involved is several New Jersey charities and nonprofit organizations and believes wholeheartedly in giving back to the community. She is passionate about homelessness awareness, credit counseling, food bank and children’s organizations. She also teaches first-time homebuyer seminars and lending segments for first-time home buying classes given through HUD and local nonprofits.

Cindy has experience in a wide variety of mortgage loan programs including First-time Homebuyers, Jumbo, Non-QM, Conventional, New Construction, FHA, VA, USDA, Mixed Use and Mobile Home financing types. Most recently, she has worked closely with local and state grant programs and is passionate about understanding the client’s needs. She works hard to explain what is normally overwhelming information to a customer, as mortgage terms can be difficult to understand. Cindy is a true professional and wants to make sure that her customers are informed and make the best decision for themselves. Every situation is different, and requires a unique skill of listening, understanding the specific needs for her customers, and advising them on the right product options for their particular transaction.

Please reach out to Cindy when you are ready to discuss your home loan needs.

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Our Business

Envoy has been successful for over 20 years because of its people, systems and technology.

The most important asset, however, is its people. We at Envoy understand the importance of providing great customer service, demonstrated by our strong customer satisfaction rating of nearly 4.9 out of 5. Since 1997, we have continued to exceed borrower expectations through exceptional customer service and dedication to helping you finance your dream home. Licensed in 47 states across the U.S., our branches offer a full menu of loan products, knowledge, and expertise for all areas of the residential mortgage lending industry.

Our Customers

We strive to do our best and be our best for one reason – you.

Our goal is to help you finance your dream home and ensure that you have a seamless, smooth mortgage experience. With the availability of hundreds of mortgage loan programs and lenders to choose from, the process of financing a home can seem complex. We are well equipped to guide you through some of the most comprehensive financing available today and are working around-the-clock to make sure we meet your needs. Your peace of mind during the loan process is our priority.