Buy Your First Home with Confidence

Personalized Help for First-Time Home Buyers

  • Guidance for Your Specific Goals
  • Credit, Income & Savings Review
  • Monthly Check-Ins
  • Dedicated and Compassionate Service
Call (321) 794-5626
Request an Appointment

Why Choose Wendy Ruhlig with Phoenix Star Mortgage?

Buying your first home can feel overwhelming, but you don’t have to do it alone. Wendy Ruhlig is here to guide you through every phase of the home-buying process, providing a boutique, hands-on approach that’s unmatched. 


Here’s what we help with:  

  • Building Your Credit: Clear steps to improve your score and strengthen your application. 
  • Saving for a Down Payment: Tips to make saving money manageable and realistic.  
  • Custom Guidance: One-on-one support tailored to your unique financial situation.  
  • Hand-Holding Every Step of the Way: We’ve walked with clients for as long as three years to get them mortgage-ready.


And the best part? There are no monthly fees. We only ask that you work with us when it’s time to secure your loan.

Here’s What to Expect When You Work With Wendy

Your dream of owning a home is closer than you think. At Phoenix Star Mortgage, Wendy Ruhlig specializes in helping first-time homebuyers like you save, build credit, and prepare for your first mortgage—with personalized support every step of the way.

Step 1: Initial Consultation

We’ll discuss your financial goals, challenges, and what you need to qualify for a mortgage.

Step 2: Personalized Plan

Wendy will create a custom plan for building your credit, paying off debt, and saving for your down payment.

Step 3: Regular Check-Ins

We’ll review your progress every 30–45 days, adjusting your plan as needed to keep you on track.

Step 4: Mortgage Approval

Once you're ready, we’ll submit your loan application and support you until approval.

Step 5: Find Your Dream Home

We’ll connect you with top-notch real estate agents who’ll help you locate the perfect home.

From your first savings goal to receiving your keys, we’re with you every step of the way.

Frequently Asked Questions

Q: How much does this service cost?

A: Nothing! Our services are completely free to you. We only get paid by the lender when your loan is closed.


Q: Will you help me improve my credit?

A: Absolutely. Wendy specializes in helping first-time buyers build and fix their credit to qualify for a mortgage.


Q: How long does it take to prepare for a mortgage?

A: On average, it takes about six months, but we’ll work with you for as long as it takes to get ready.


Q: What if I don’t know where to start?

A: That’s exactly why we’re here! During your consultation, Wendy will break everything down into simple steps tailored to you.

Take the First Step Toward Homeownership

Your dream of owning a home starts here. Whether you’ve been saving for years or need help building your credit, Wendy Ruhlig and the Phoenix Star Mortgage team are ready to guide you. Don't wait—start your homeownership journey by booking an appointment with Wendy today!

Get In Touch

(321) 794-5626

835 Executive Lane Suite 110, Rockledge, FL 32955

wlruhlig@gmail.com

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© 2024 WENDY RUHLIG. ALL RIGHTS RESERVED. NMLS# 362101.

Phoenix Star Mortgage LLC NMLS# 1858904.

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