I'm Char Ruppel, a Mortgage Loan Officer and Branch Manager serving Roseville, CA. I lead the Ruppel Team and I've spent nearly twenty years in mortgage lending right here in Roseville, working with everyone from first-time buyers to experienced investors. Whether you're buying or refinancing, I'll help you compare options through Arbor Financial Group's network of 150+ lenders.
Licensed in AL, AK, AZ, AR, CA, CO, CT, FL, HI, IA, IL, KS, KY, MI, MN, MO, ND, NE, NM, OH, OK, OR, TN, UT, WA, WI, WY.
Whether you are buying your first home, refinancing, or investing, I will help you compare the right loan programs for your income, budget, and timeline. Expect competitive rates, flexible terms, and clear guidance from application to closing.
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. 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.
Compare purchase and refinance options with competitive rates and terms. Get straightforward guidance and a smooth process designed to help you close with confidence.
Every borrower has a different income, credit profile, and financial goal. We structure home loan options around your situation, whether you are buying, refinancing, investing, or self employed.
We offer conventional, FHA, VA, and refinance options with competitive interest rates and term structures designed to reduce monthly payments and support long term financial stability.
Licensed to lend across multiple states, we help buyers and investors secure financing wherever they purchase, with clear guidance on guidelines, timelines, and closing requirements.
Our streamlined mortgage process prioritizes complete documentation, proactive communication, and efficient underwriting to help qualified borrowers close quickly and confidently.
Char Ruppel leads with experience, integrity, and a client first approach. As Team Leader of the Ruppel Team at Cole Mortgage, she provides personalized mortgage solutions for homebuyers, homeowners, and investors across 16 states. Whether you are purchasing a home, refinancing, or investing in property, Char delivers clear guidance and a streamlined, transparent loan process. With deep industry knowledge and a strong commitment to her clients, she is a trusted partner in home financing.
Get straightforward answers to common home loan and refinance questions, including credit requirements, down payments, timelines, and what to expect during the approval process.
We specialize in a wide range of mortgage solutions, including conventional loans, FHA, VA, jumbo loans, and more. Whether you are a first-time homebuyer, self-employed, or looking to refinance, we have tailored options to fit your needs.
Getting started is easy. You can reach out to us for a quick strategy session where we’ll discuss your goals and gather some initial details. From there, we guide you through pre-approval, document collection, and the entire loan process step by step.
Borrowers with stable W2 income, a 620+ credit score, manageable debt, and documented assets are typically strong candidates for conventional financing with competitive rates and flexible terms.
Many qualified buyers purchase with 3% to 5% down on conventional loans or 3.5% down on FHA loans, depending on credit profile and overall financial strength.
FHA loans are often a good fit for first time buyers or borrowers with moderate credit who want lower down payment options and more flexible qualification guidelines.
Lenders typically average the last two years of net income shown on tax returns. Consistent earnings, organized financials, and stable business history strengthen approval.
Yes. Self employed and 1099 borrowers can qualify with proper documentation, steady income history, and strong credit. Clean records help ensure smoother underwriting.
Strong investor files usually include solid credit, adequate reserves, rental income support, and appropriate down payment, typically 15% to 25% depending on loan structure.
Refinancing may make sense when you can lower your interest rate, reduce your monthly payment, shorten your loan term, or improve overall financial positioning.
The first step is a mortgage pre approval. This includes reviewing income, credit, and assets to determine eligibility and provide a clear purchase or refinance strategy.
