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A division of Innovative Mortgage

Serving All of Florida

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ruth schoenherr

We have been providing our clients with personalized
top notch service and great rates for over 25 years.

free Phone consultation

Public Service Message:  File your Homestead Exemption on time!!

Pinellas County: Click Here 

Pasco County: Click Here

Hillsborough County:  Click Here

For additional counties please google "Property Appraiser Exemptions (add county name)"

Ruth Schoenherr: Put a "T" before Ruth for your Mortgage "Truth". Contact us now!

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Individual Approach


We use an individual approach to each client. Having a mortgage is a long term commitment. We take the time to discuss various options to find the scenario that suits your needs best. So whether you are buying a home or refinancing your mortgage, you can expect a high level of expertise.
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Qualified Lenders


As a broker, we can offer programs from many different lenders. This opens up your opportunities and lending power.
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Consistent Communication


The home buying process can be stressful. It is extremely important to us that we address your questions and concerns in a very timely manner. We want you to be thinking about your paint colors, not lamenting over unanswered concerns.
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Experience


We have been doing mortgages for over 25 years and are the experts at providing a thorough preapproval. "Surprises" when you are under contract are not welcome! Additionally, we consider it a top priority to help you know and understand your options.

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When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you.

Buying a new home is a source of anxiety, frustration -- and a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too.

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Home Loans

Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We are committed to timely communication throughout the entire process. It's our sincere intension to treat you so well that you will call us again.

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Refinance

If you thought refinancing meant getting buried under mountains of paperwork, think again! We make it easy and worry-free to reduce your interest rate and monthly payment. We can even help you pay down your balance more quickly, and in many cases reduce your outgoing expenses at the same time.

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Pre-Qualify

Before you begin to shop for a new home, you should set aside some time with me so we can figure out how much you can afford. This will put you in a better position as a buyer.

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Condo & Waterfront

Financing a condo, especially in Florida can sometimes be tricky. There are lending rules in place that do not apply to other home types. We have an array of lenders and can offer more liberal guidelines than other lenders.

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Do you need a consultation?

Ruth Schoenheer will position you to potentially increase your buying power and provide you with the best loan option.

equal housing logo Ruth Schoenherr NMLS 336647 Innovative Mortgage NMLS 250769