Mortgage Refinancing
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Ruth Johaningsmeir

NMLS#

2176345

Mortgage Loan Originator

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Cell

239-899-6455

ruth@nexamortgage.com

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Meet Ruth Johaningsmeir: The Retirement Mortgage Specialist

Ruth Johaningsmeir is a Mortgage Loan Originator with NEXA Mortgage, serving clients in North Carolina and Florida. With decades of experience in real estate and finance, she’s known as “The Retirement Mortgage Specialist” for a reason.

Ruth is an expert in:

Reverse Mortgages
VA loans
Jumbo loans
Helping first-time buyers

A Compassionate Approach to Your Financial Needs

Ruth wrote a novel inspired by her work with reverse mortgages. This background gives her a unique and compassionate perspective on her clients’ financial needs.

Whether you’re a retiree looking to access home equity, a veteran needing a VA loan, or a homeowner looking to refinance, Ruth is committed to finding the perfect loan solution for you.

Ready to start your home loan journey? Contact Ruth at 828-888-LOAN

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PURCHASE

Whether you’re getting your first place or moving into a bigger one, purchasing a home is one of the biggest financial decisions of your life. That’s why we make sure you have a full understanding of how the process works, and what loan option works best for you individually. Our licensed professionals will guide you every step of the way, and always be available to answer your questions.

REFINANCE

By refinancing through NEXA Mortgage, you can potentially reduce your monthly payments saving you hundreds of dollars a month. As a broker, we have access to a wide array of equity-based lending options to meet your specific financing needs. Because we specialize in tailored programs, we can help you through a variety of financial situations, big or small.

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright © 2025 | NEXA Mortgage LLC.
Licensed In: FL,NC, NMLS # 2176345 | NMLS ID 1660690 | AZMB #0944059
Corporate Address : 5559 S Sossaman Rd Building 1 #101, Mesa, AZ 85212

Ruth Services all of

Florida, North Carolina

Banks Fight For Your Business
As brokers, we shop your scenario with 30+ lenders to get you the best rate.
No Lender Fees
We don't charge any lender fees, saving you on average $1,600 over retail banks.
Won't Impact Credit Score
We make sure the numbers work before running your credit.

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Mortgage RefinancingMade Easy

Work With A Local Mortgage BrokerAnd Save

Retirement Mortgage Specialist