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Cesar Ruano

Senior Loan Officer | NMLS# 1700880

About Cesar

Your Bilingual Mortgage Partner | ¡Hablo Español!

Cesar Ruano brings a unique and dynamic blend of experience, dedication, and community service to the mortgage and real estate industry. With 10 years of hands-on expertise in residential lending and a proven track record of helping families achieve homeownership, Cesar is a respected figure among clients and real estate professionals alike.

 

Cesar happily helped many clients while serving as a Mortgage Loan Officer at MLS and is now excited to continue assisting even more families as a Loan Officer at Federal Hill Mortgage—home of the official #1 producing loan officer in Maryland, Tammy Saul. His professional background also includes roles with Coastal Lending Group, LLC and Academy Mortgage Corporation, where he supported a wide range of homebuyers and loan scenarios.

 

He works with all types of buyers—including first-time homebuyers, move-up buyers, self-employed individuals, ITIN borrowers, veterans, and experienced real estate investors. Cesar is known for providing clear communication, strategic guidance, and responsive service throughout every stage of the mortgage process.

 

Fully fluent in English and Spanish, Cesar is proud to support diverse communities throughout Maryland, Washington D.C., Virginia, and Pennsylvania—ensuring every client feels heard, understood, and empowered to make informed decisions.

 

Before dedicating himself fully to mortgage lending, Cesar built a successful career in health and wellness. He founded KBSFIT, a training platform focused on kettlebell strength and conditioning, and worked as an RKC-certified coach. His background in fitness instilled the discipline, goal-setting, and personalized coaching approach he now brings to mortgage lending.

 

Cesar studied Electrical Engineering at the University of Maryland, developing the analytical skills and attention to detail that help him craft effective mortgage strategies for clients across a variety of financial situations.

 

Whether you’re buying your first home, moving into your dream house, or growing your real estate portfolio—Cesar Ruano is here to help you move forward with clarity, confidence, and care.

 

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What Makes Us Unique

Why Choose Federal Hill Mortgage?

At Federal Hill Mortgage, our commitment goes beyond the ordinary. We've combined years of expertise with unparalleled service to provide you mortgage solutions tailored to your needs. Here's what sets us apart:

  • Expert Leadership:

Spearheaded by Tammy Saul, a licensed attorney with a two-decade-long track record in mortgage lending. We bring a wealth of knowledge to every transaction.

  • Nationwide Recognition:

Tammy stands in the elite top one-tenth of 1% of mortgage loan officers nationally. This is testament to our dedication and results.

  • Diverse Offerings:

From first-time homebuyers to self-employed borrowers, we've got you covered. Our extensive range of products ensures you find a fit, no matter your requirement.

  • Competitive Rates:

Our volume-driven approach means we regularly offer wholesale and deeply discounted rates. Discover why even those under contract switch to us for unmatched rates.

  • Always Reachable:

We understand your life doesn’t revolve around the 9-5. Whether it’s an evening, weekend, or holiday, our team is just a call away.

  • We pride ourselves on our diverse offerings, competitive rates, and the personal touch of expert leadership. Many lenders offer one-size-fits-all solutions, but at Federal Hill Mortgage, our solutions are tailored to individual needs, ensuring you get the best fit.

  • Absolutely! We specialize in creative solutions for self-employed borrowers, understanding the unique challenges and requirements you face. Our team is well-equipped to guide you through the process.

  • Switching is simpler than you might think. We often have clients transition to us for our lower rates, even when under contract. Contact us directly, and we'll guide you through the seamless process.

© 2025 Federal Hill Mortgage Company, LLC. All rights reserved.
Federal Hill Mortgage Company, LLC is a broker and lender licensed in MD, DE, PA, VA, DC, NC & TX. We are an Equal Housing Lender.

Individual NMLS #1700880| Company NMLS #176351