charla@charlarueda.com
760-809-6896
Charla Rueda
Buying a home or exploring a refinance? Connect with Charla to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Charla
Throughout her 29-year mortgage career, Charla Rueda has carefully created positive mortgage experiences for her clients. Integrity, communication, accessibility, and hard work form the foundation of her exceptional service.
Charla consistently delivers mortgage products that meet her clients' needs and earn their repeat business. In addition to her past clients, Charla builds strong relationships within her local real estate community and is committed to the success of her business partners.
With a long history of high achievement, Charla has been celebrated for her leadership, production excellence, and dedication to helping clients achieve their homeownership goals. Her commitment to excellence continues to set her apart as a trusted expert in the mortgage industry.
Born in Portland, Oregon, Charla has lived in California since 1979 and has been a resident of Escondido since 1989. She graduated from Pepperdine University with a Bachelor of Arts in Broadcast Journalism. She enjoys outdoor activities, cooking, and spending time with her husband Jaime, daughter Amanda, and son Austin.
What clients say about Charla
Charla was so wonderful to work with. She was always available to address our questions and concerns, and she clearly communicated information about our loan. We felt well taken care by Charla during the process of getting our loan, and we have our utmost trust in her. That is why she is our go to when we are purchasing a new property.
As usual, Charla was amazing! Great communication, always kept us informed about the status of the loan and super responsive if I had any questions. She understands the pressures that arise during the escrow process and kindly help us through. We have been working with Charla for over 10 years and will in the future as well
Charla is very knowledgeable about the loan process and was always one step ahead of what needed to be done. Excellent customer service, very friendly and stayed in regular contact through the entire process. She is consistent in these traits as we have worked with her a number of times over the years.
Charla was so responsive and reliable. She did everything she could do for us. We love her. We would use her again if we buy another house.
Charla has helped me with 2 home loans, one for a condo in 2017 and now one for a house in 2026. She is trustworthy and was able to close in 10 days. Her brokerage has a variety of loan products that help buyers get into the properties of their dreams. They are also very competitive and able to match other offers. Everyone went out of their way to ensure we had a mortgage that we could afford and maximized our purchasing power. We will be forever grateful!
Charla was very communicative from the start. She answered any questions to educate vs just provide the information. I was never in the dark at any point in the process of completing my home loan.
What a patient and dedicated agent. Took better care of a disabled veteran than companies that primarily do VA loans. She knows her stuff and communicates. I will happily chose her again in the future if able and necessary.
Charla was great! Super easy process. Would definitely recommend. Second house I’ve bought, and it was definitely less stressful this time. And I don’t think it was just that it was my second time through it.
Charla was amazing to work with throughout the purchase of our first home. The care she took to listen and ensure we understood each step of the process helped build a strong relationship with us as clients and helped us trust her that she was here to support us every step of the way. Charla never failed to deliver professionally and it is the personal touch she brings that made this experience an overwhelmingly positive one. I only give 5 stars because 6 stars is not available!
Due to The Covid 19, my family was struggling to close on our loan. Once we met with Charla we were comforted by her knowledge and professionalism and she was confident that she would close the loan. We are happy to say, that she saved the deal! It was a true pleasure to work with her and her team.
I was recommended to Charla Rueda by a family member and was never disappointed in how well I was taken care of throughout the entire Re-Fi of my house. There were no hidden fees or surprises along the way and everyone helped in the most professional way possible. thank you to Charla and her outstanding team! Mike
Excellent experience. Charla and team were fantastic. Easy, fast, and navigated challenges efficiently.
Let’s connect
Contact Charla
Share a little about your plans and how to reach you.
Office locations
Suite 111
San Diego, CA 92128
Suite 700
Houston, TX 77027
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Charla today.
