Defined by a singular focus; the Rueth Team employs their combined skill-set and over 124 years in the industry to drive success for each individual client. Led by Nicole Rueth, the Rueth team continues to be the first choice for clients and referral partners who desire a smooth and swift process while offering creative and customized solutions to ensure quick approvals for each loan.
A driven focus on client success has earned Nicole Rueth and her team the distinction of being listed in the Top 1% of National Producers in Mortgage Executive Magazine as well as being named a multi-year 5280 Magazine’s Five Star Professional.
Backed by in house processing, underwriting, and funding at Fairway Independent Mortgage, allows the Rueth Team to offer an expansive portfolio of loan products. The Rueth Team is able to focus on a level of client care that sets the standard for a superior mortgage experience.
Nicole Rueth has been passionately advising clients on their home financing strategies for over 15 years. Her path has been as non-conventional as it is a benefit to her clients. As a BBA Finance graduate of the University of Texas at Austin, she went to work for Arthur Andersen/Andersen Consulting as a strategic business reengineering consultant. Nicole’s draws on her past experience of managing 100 person teams and facilitating million dollar solutions allows her to negotiate, analyze and provide creative solutions for her clients where other lenders fall short. After the birth of their three children, Nicole stepped out of her corporate traveling schedule and went to work for a friend to reinvigorate and redesign his mortgage company. Here is where she found her passion. Where others in the industry were focused on the “deal”, she developed a passion for helping the client first.
Focused on building her knowledge capital, Nicole started in the operations side of Mortgage Financing, including warehouse management, lender relationships, FHA/HUD approval, post-closing, and loan product management. This background before originating mortgage loans gives Nicole’s clients a success ratio unparalleled in the industry. Added to that, Nicole offers her clients a closing guarantee; putting her reputation behind her commitment to closing on-time and under-budget every time.
As one of the top 1% lending teams in the country, as recognized by Mortgage Executive Magazine, Denver’s own 5280 Magazine Five Star Professional, Englewood’s Top Companies, and her own Fairway Mortgage’s #1 in Colorado and top 5 nationally, her team’s expert knowledge of the industry and high level of professionalism will be hard at work for you and your family.
When not at work, Nicole is an adventure/fitness nut. She can be found at a Spartan Race or Tough Mudder, climbing a fourteener or on one of Colorado’s amazing bike trails. She has 3 beautiful children, a husband of over 21 years and 2 dogs, who can be seen running beside her around the DU area.
With over 15 years of experience in the mortgage industry, David is very knowledgeable about the changes in the business and how they directly impact his clients. David’s career came full circle when joining the Rueth Team as a dedicated Sales Manager. He first started in the industry as an originator and after several years working on the corporate side, along with mortgage securities, he is back doing what he truly enjoys. Due to his background, David has extensive experience with originating, underwriting and experience with every facet of the mortgage. His knowledge is surpassed only by his passion to help every client find the customized solution that fits their mortgage needs. He stresses the importance of integrity, honesty, respect, communication, and team work to achieve success not only with his clients, but with his referral partners and team members. David uses his 15+ years of mortgage experience to bring the best possible service to borrowers as well as using that same experience to help foster deep relationships with realtors and listing agents. When he is not helping other families with their home financing, David loves spending time with his family, friends, and enjoying everything beautiful Colorado has to offer.
Emily Lundy joined The Rueth Team in 2015 as a licensed loan officer and production partner. She has over 5 years in mortgage operations. Emily guides the loan from contract to close, acting as the primary contact for all in-process clients. She meets with borrowers to explain and gather signatures on all initial loan disclosures, obtains all required loan and income documents, structures and prequalifies deals, and orders appraisals. Emily can also assist borrowers in determining their long term goals as well as aiding in budgeting and credit repair. She is an expert on all specialty products offered including down payment assistance and VA loans. Emily graduated from the University of Colorado at Boulder in 2010 and likes to fish and play viola in her free time.
Danielle joined The Rueth Team in 2015 as the Executive Assistant/Marketing Assistant. Danielle’s position has since morphed into main Team Support, allowing her to enjoy a wide range of duties in an effort to make the loan process as smooth as possible for clients, referral partners, and the team. She thrives by learning all aspects of the mortgage industry and is driven by customer satisfaction through authentic connection. For the past 10 years Danielle has relished the fast-paced and dynamic environment of the mortgage industry which requires constant learning and change in order to consistently provide exceptional customer service. When she isn’t at the office you can most likely find Danielle on the soccer field, watching sports with her family, spending time outside with her husband and 2 dogs, or just simply being crafty around their house.
Peter is the newest member to the Rueth Team family. After working for 18 years on some of the most technically complex and multi-million dollar deals, Peter brings his financial acumen to help our clients navigate retirement management plans through the utilization of a reverse mortgage. As a graduate of the University of Oklahoma with a double major in Business Management and Computer Science he went to work for a small software company in Dallas, TX where he quickly became one of the more successful project managers. Soon after completing his MBA in Finance from the University of Texas in Arlington, Peter joined Anderson Consulting, now Accenture, where for 18 years he worked as a strategic deal shaper. Having managed multiple resource teams and overseeing multi-million dollar deals; Peter gives the team a unique advantage for negotiating, analyzing and providing solutions for our clients where other lenders fall short.
When not at work, Peter enjoys trying to keep up with a fitness regime. When time allows, he enjoys playing golf, scarfing down BBQ and attending his kids multiple sports activities. He has 3 beautiful children, a wife of over 21 years and 2 dogs, who can be seen meandering beside him around the University Park area.
Ann Marie Howsden got her start in mortgage as a marketing specialist down in Colorado Springs. She quickly realized that although she loved the mortgage industry she did not have enough knowledge to effectively help her customers. She took a leap of faith and transitioned into a Loan Processor. In this role she owned over 250 loans, all varieties and scenarios, taking the file from contract to close. When the opportunity to get back into the production side of things presented itself she jumped. Ann Marie is ecstatic with her new home on The Rueth Team as it allows her to utilize all the skills she learned as a processor. She especially loves helping clients with credit optimization and creating lending solutions that help get them into a home of their very own.
When she isn’t being creative at the office, she is usually found doing creative projects at home. She also loves spending quality time with her amazing husband and four girls.
Jacqui joined the Rueth Team in 2018 as Marketing Director. She is an experienced marketing director with a demonstrated history of working in the mortgage industry. Jacqui works with the team to build the brand strategy, including the setting of style guides, brand guidelines, vision and value proposition for short as well as long term. Think of her as the ‘brand guardian’, maintaining brand integrity across all company marketing initiatives and communications. Jacqui graduated from Regis University in 2014 with a BS in Marketing and Business. When she is not working, you can find Jacqui spending time with her husband and 2 little dogs, enjoying friends and family and traveling the world.
Tonja Spencer has over 20 years of experience in the mortgage business, from Processing to Servicing. As a Loan Processor for the Rueth Team, Tonja reviews the loan for accuracy and consistency of story and is a primary point of contact for every client. Tonja truly enjoys interacting with borrowers at every stage of the mortgage process. She is very passionate about providing excellent service to our clients and ensuring the path to closing is smooth and effortless. Tonja is a native to Colorado and enjoys all of what the state has to offer from sports to outdoor activities.
Devin joined The Rueth team at Fairway as his first foray into the mortgage industry and he is excited with what the future holds! He is responsible for supporting the Rueth Team by ordering all third party services including: title documents, insurances, tax documents, and verifications of employment. Devin is responsible for getting the file organized and ensuring a complete loan is ready for our Processors. When not at work you can find Devin spending time outdoors. When not on an outdoor adventure you can usually find Devin curled up with a good, thick book.
Robbin has been with Fairway for a few months. She has processed loans for 18 years. When she is not working she enjoys spending time with her family, traveling, shopping and being outdoors.
Cara Nelson joined The Rueth Team in July of 2017 as Nicole’s Executive Assistant and team Office Administrator. She was recently in Fort Collins, Colorado finishing her degree and working as a fashion merchandiser. New to the industry, she is learning all the ins and outs of the world of mortgage. When she is not working she either at a movie or baking chocolate chip cookies.