Broker Near Me

Michael Ruffalo

NMLS 230051
3808 Sterling Rd, DOWNERS GROVE IL 60515
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Get to know me

I opened the Mortgage Store in 2001 when I saw that people did not have many good options when it came to obtaining a mortgage. I wanted to ensure that my clients received objective, honest, quality advice on one of the largest purchases in their lives. To that end, I have worked tirelessly to ensure that all our clients get a mortgage that is right for their goals and objectives while making the process fast and efficient.

My experience

Licensed in:

Florida
Illinois

Loan Products:

Adjustable-Rate Mortgages (ARM)
Conforming Loans
Conventional Loans
Fannie Mae
FHA
Fixed-Rate Mortgages
Freddie Mac
Jumbo Loans
Non-Conforming Loans
USDA
VA

Years of experience:

25

Languages spoken:

English

What you can expect from me.

Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.

I connect with clients by phone, text, email, video, and in person—wherever they’re most comfortable. My referral-based business means I stay responsive, accessible, and relationship-focused.

Most clients start with recent pay stubs, W-2s or tax returns, bank statements, and a photo ID. I guide them on exactly what’s needed based on their loan type and situation.

I encourage early conversations. As both a mortgage expert and advisor, I guide clients from planning to closing making the path to buying clearer, easier, and stress-free.

Clear guidance, fast communication, and proactive problem-solving from application to closing. I make financing smooth, transparent, and tailored to each client’s goals.

I help everyone and help to address their unique situations. I try to understand the things that are most important to my clients and then tailor a solution to meet those unique, personal needs.