Accurate Numbers
Selected by 23 verified agents
← Back to VA lender search
Guiding agents and families through assumptions, entitlement questions, and smart VA purchase planning
Licensed in 4 states
TXOKNMLA
Verified VA specialistDemo profile
Carla Ruiz
VA Assumptions & Eligibility Specialist
Mission Crest Home Lending · San Antonio, Texas
VA AssumptionsEntitlementEligibility & COEVA Purchase
9 yrsYears of experience
6 yrsAt current office
23 daysAverage time to close
119VA loans closed
Top skills real estate partners rely on
ABOUT & CREDENTIALS
Built around va assumptions work
Carla specializes in the questions that usually cause hesitation: assumptions, entitlement, COE issues, and how to guide a VA buyer through them with confidence.
Her page shows how she educates partners, organizes complexity, and keeps the transaction grounded in what is actually possible.
Primary marketsSan Antonio · Boerne · New Braunfels
Licensed statesTX · OK · NM · CO
VA specialtiesAssumptions · Entitlement · COE · Purchase
AvailabilityOffer support available evenings and weekends
WORKING STANDARD
How Carla works
Specific operating standards give an agent more information than another promise of “great service.”
Eligibility questions first
Carla reviews COE, prior use of VA benefits, and likely entitlement questions before a buyer makes assumptions about what is possible.
Realtor takeawayThe agent can advise with more certainty.Assumption clarity early
When an assumption is in play, she explains the path, timing, and realistic expectations before the transaction drifts into confusion.
Realtor takeawayEveryone knows what lane they are in.Clean communication cadence
Both sides get proactive updates, especially when entitlement or documentation questions need fast alignment.
Realtor takeawayThe file stays organized and calm.SKILLS
Carla’s top skills
Skills shown here are selected by verified real estate partners—not written by the loan officer.
23Accurate Numbers
20VA Assumptions
18Eligibility Clarity
16On-Time Closer
14Solid Preapprovals
PERFORMANCE METRICS
Production & market footprint
VA Lender Guide compiles this production and market snapshot from public records so agents can gauge Carla’s VA experience at a glance.
Performance metrics · public-record snapshotPoint-in-time snapshot · not updated in real time
Production
26VA purchase units
$9.3MVA purchase volume
40%VA concentration
82%Purchase business
Market footprint
- Top three countiesBexar · Comal · Guadalupe
- Top three metro areasSan Antonio · New Braunfels · Austin
- Active licensed states4 states
- Production consistencyActive & consistent
Professional network
- Matched agent relationships21
- Repeat agent partners9
- Match accuracyHigh
Career & licensing
- NMLS ID1228905
- Company & branchMission Crest Home Lending · San Antonio
- Years licensed9 years
- Time at current employer6 years
LENDER PLAYBOOKS
How Carla thinks
Short plays let agents evaluate Carla’s judgment before they ever schedule a call.
VA Assumptions
How I explain a VA assumption to the listing side in plain English
Carla breaks down timing, buyer qualification, and expectations so the transaction starts with realism instead of confusion.
6-minute read · Updated July 2026 Eligibility & COEThe first eligibility questions I answer before a VA buyer starts shopping
How Carla sets expectations around entitlement, COE issues, and the documents that matter early.
4-minute read EntitlementWhat agents should know when a client has used VA benefits before
A practical look at restored entitlement, remaining entitlement, and how Carla communicates options.
5-minute readIN THEIR OWN WORDS
What real estate partners say
Written reviews pair qualitative context with the specific Trust Tags the reviewer selected.
1:08
VIDEO REVIEW
“Carla made a difficult VA question feel very simple.”
Marina Solis · Buyer’s Agent
“Carla is one of the few lenders I trust to explain assumptions clearly to both sides of the transaction. She turns a confusing topic into an organized process.”
“Her numbers are clean, her communication is sharp, and she keeps entitlement questions from becoming closing-day surprises.”
CLOSING STORY
A transaction that shows the work
VA purchase · Assumption transition · 23-day close
The situation
A buyer considering a VA assumption needed quick clarity on eligibility, payment structure, and whether the opportunity was actually worth pursuing.
The challenge
The agent needed someone who could explain the assumption process without slowing down the larger purchase timeline.
The response
Carla clarified the available paths, set the right expectations, and coordinated the assumption-related details while preserving momentum.
The proof
Closed in 23 days. Agent-selected tags: VA Assumptions, Accurate Numbers, On-Time Closer.
Where Carla shows up online
Follow Carla’s VA education content and connect on the platforms Carla uses most.