Finding the perfect mortgage shouldn’t be complicated.
Whether you’re buying a home, refinancing, or investing in property, Cole Mortgage offers competitive rates, personalized options, and expert guidance to help you reach your goals—without the stress. Let’s make your home financing journey smooth, simple, and successful.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Conventional home loans are a popular choice for buyers with strong credit and steady income. At Cole Mortgage, we offer competitive interest rates, flexible terms, and a smooth approval process. Whether you’re purchasing a primary residence, second home, or investment property, our team will help you find a solution that fits your goals. It’s reliable, straightforward financing—backed by expert support every step of the way.
An FHA home loan is ideal for first-time buyers or those with less-than-perfect credit. Backed by the Federal Housing Administration, this loan offers low down payment options, flexible credit guidelines, and affordable rates. At Cole Mortgage, we make it easier to qualify and move forward with confidence. It’s a great way to start your journey to homeownership—with support from a team that puts your needs first.
VA home loans are a powerful benefit for veterans, active-duty service members, and eligible spouses. Backed by the U.S. Department of Veterans Affairs, these loans offer no down payment, no PMI, and competitive interest rates. At Cole Mortgage, we’re proud to serve those who serve—providing expert guidance, flexible options, and a streamlined path to homeownership for military families.
Jumbo home loans are perfect for buyers purchasing high-value properties that exceed standard conforming loan limits. At Cole Mortgage, we provide competitive rates, flexible terms, and personalized support to meet your larger financing needs. Whether you’re investing in a luxury home, vacation property, or second residence, we’ll help you navigate the process with clarity—so you can secure your dream home without limitations.
Being your own boss shouldn’t hold you back from homeownership. At Cole Mortgage, our self-employed home loan programs are designed for business owners, freelancers, and independent contractors. We use alternative income documentation like bank statements or tax returns to help you qualify. With flexible guidelines, competitive rates, and personalized support, we make it easier for self-employed borrowers to secure financing—without the stress of traditional requirements.
Non-Qualified Mortgage (NQM) loans are built for borrowers who don’t meet traditional lending criteria. At Cole Mortgage, we offer flexible options for those with non-traditional income, credit challenges, or unique financial profiles. Using bank statements, asset-based income, or other documentation, we help you find a loan that fits. With competitive rates and custom solutions, NQM loans make homeownership possible—on terms that work for you.
Bank statement loans are ideal for self-employed borrowers who may not qualify using traditional income verification. At Cole Mortgage, we use 12–24 months of bank statements to assess your income, offering a flexible path to homeownership. With competitive interest rates, custom loan options, and a simplified process, we help entrepreneurs, freelancers, and business owners secure financing based on real cash flow—not just tax returns.
Ready to build your real estate portfolio? At Cole Mortgage, our investment property financing options are designed for buyers purchasing rental homes, vacation properties, or multi-unit investments. We offer competitive rates, flexible loan terms, and qualification options that consider rental income potential. Whether you’re a first-time investor or expanding your holdings, we’re here to help you finance with confidence and grow your long-term wealth through real estate.
ITIN loans are designed for borrowers who don’t have a Social Security number but use an Individual Taxpayer Identification Number (ITIN) to file taxes. At Cole Mortgage, we proudly help non-U.S. citizens access flexible home financing with competitive rates and alternative documentation options. Whether you’re purchasing your first home or investing in property, our ITIN loan programs make homeownership more accessible for individuals building a future in the U.S.
Looking to lower your rate or reduce your monthly payment? Cole Mortgage offers smart, flexible refinance home loan options to help you meet your financial goals. Whether you’re accessing home equity, consolidating debt, or simply improving your loan terms, we provide competitive rates and expert guidance. Refinancing with us means a smoother process, personalized support, and a mortgage that fits where you are today—and where you’re headed next.
A cash-out refinance from Cole Mortgage lets you replace your current mortgage with a new one—and take out the difference in cash. Use your home equity for home improvements, debt consolidation, or other financial goals. With competitive rates, flexible terms, and a simple process, we help you turn your equity into opportunity—without taking on a second loan or extra complexity.
Whether you’re building from the ground up or updating your current home, Cole Mortgage offers renovation and construction loans to finance your vision. These loans cover both construction costs and long-term financing in one convenient solution. With competitive rates, flexible draw schedules, and personalized support, we make it easy to turn plans into progress—helping you add value, space, and comfort to the place you call home.
USDA home loans make homeownership more accessible for buyers in eligible rural and suburban areas. Backed by the U.S. Department of Agriculture, these loans offer zero down payment, low interest rates, and flexible credit guidelines. At Cole Mortgage, we help qualified buyers take advantage of this affordable financing option—providing expert guidance and a smooth process from start to finish.
At Cole Mortgage, we specialize in helping first-time buyers take that important first step toward homeownership. Our First-Time Homebuyer programs and Down Payment Assistance (DPA) loans offer low down payments, flexible credit options, and access to grants or assistance programs that reduce upfront costs. We’re here to simplify the process, answer your questions, and help you move into your first home with confidence.
Reverse mortgages allow homeowners 62 and older to access their home equity without making monthly mortgage payments. At Cole Mortgage, we help you use that equity to eliminate your mortgage payment, cover living expenses, fund home improvements, or even purchase a new home. You can also refinance an existing reverse mortgage to improve your terms. It’s a flexible way to create financial freedom while staying in the home you love.
Char Ruppel
Team Leader | The Ruppel Team at Cole Mortgage
Char Ruppel, Team Leader of the Ruppel Team at Cole Mortgage, brings years of experience and a deep commitment to delivering expert home loan solutions with trusted guidance and personalized service. Licensed in 16 states, Char works with a wide range of clients—from first-time homebuyers to experienced investors—providing tailored loan options to help them achieve their goals with clarity and confidence.
Known for her strong leadership, transparent communication, and dedication to building lasting relationships, Char Ruppel guides each client through a smooth and stress-free mortgage process. Whether you’re buying, refinancing, or investing, Char and the Ruppel Team are here to support you with knowledgeable insight, competitive loan programs, and a commitment to helping you succeed—every step of the way.
Licensed in AL, AZ, CA, CO, FL, HI, IA, MI, MO, OH, OR, TN, TX, UT, WA, WI
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Char Ruppel leads with experience, integrity, and a client-first mindset. As Team Leader of the Ruppel Team at Cole Mortgage, Char specializes in delivering tailored mortgage solutions for a wide range of borrowers across 16 states. Whether you’re purchasing, refinancing, or investing, Char ensures a streamlined and transparent process with expert support at every step. With deep industry knowledge and a dedication to results, Char is your trusted partner in home financing.
Buying a home or refinancing can come with a lot of questions—we’re here to make things simple. Explore our FAQs below to get clear, straightforward answers about loan options, the mortgage process, and what to expect when working with Cole Mortgage.
A Conventional Loan is ideal for borrowers with strong credit and offers flexible terms with competitive rates. In contrast, an FHA Loan is backed by the government and designed for those with lower credit scores or smaller down payments, making homeownership more accessible.
VA Loans are available to active-duty service members, veterans, and eligible surviving spouses. To qualify, you’ll need a Certificate of Eligibility (COE) from the VA, meet credit and income requirements, and plan to use the home as your primary residence.
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. If you’re purchasing a high-value home that requires financing beyond conventional limits, a Jumbo Loan provides the funding you need with flexible terms.
Yes! Bank Statement Loans and Non-QM Loans are great options for self-employed borrowers. Instead of W-2s, these loans use bank statements or alternative income verification to qualify, making homeownership accessible for entrepreneurs and freelancers.
An ITIN Loan is designed for borrowers without a Social Security number but who have an Individual Taxpayer Identification Number (ITIN). These loans provide financing options for non-U.S. citizens looking to buy a home, using alternative forms of credit and income verification.
A HELOC (Home Equity Line of Credit) is a revolving credit line that lets you borrow against your home’s equity as needed. A Cash-Out Refinance replaces your existing mortgage with a new loan for a higher amount, giving you a lump sum of cash upfront.
Investment Property Loans are designed for purchasing rental properties or second homes. Lenders often require a higher down payment and stronger credit score, but these loans allow you to generate income and build wealth through real estate.
A USDA Loan offers zero down payment, low interest rates, and reduced mortgage insurance for homebuyers in eligible rural areas. It’s a great option for those looking for affordable homeownership with government-backed security.
An ARM starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), then adjusts periodically based on market rates. It’s ideal for buyers who plan to move or refinance before the rate adjusts.
A Reverse Mortgage allows homeowners aged 62+ to convert home equity into cash, with no monthly mortgage payments required. The loan is repaid when the homeowner sells the home, moves out, or passes away, making it a valuable retirement tool.
Yes! While credit scores impact refinancing options, FHA Streamline Refinance or Non-QM Loans may allow you to refinance with lower requirements. Improving your credit before refinancing can also help secure better rates.
The first step is to get pre-approved! This involves a quick review of your credit, income, and financial situation. Pre-approval gives you a clear picture of what you can afford and makes home shopping easier. Ready to get started? Let’s talk!
Cole Mortgage offering personalized mortgage solutions, fast customized quotes, great rates & service with integrity.
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