Your path to YES for buying a home in Texas (even if the bank already said NO)
Specialized in Hispanic families with ITIN, 1099, low savings, or damaged credit — and in sellers who want to sell to move up or downsize.
150+ Hispanic families guided across Texas
Homes Sold
In Sales
Client Satisfaction
Google Rating
Meet Sully Ruiz
I'm Sully, the "Realtor of YES" for Hispanic families in Texas. Since 2018 I've helped more than 150 families go from the bank's NO to the YES of their keys, even with ITIN, 1099 income, low savings, or damaged credit.
I explain the whole process in Spanish, connect you with the right lenders, and walk with you from the first call to closing.
How It Works
A simple, streamlined process designed to make your real estate journey stress-free.
"Path to YES" Consultation (free, 10–15 minutes)
We review your situation (income, credit, savings) and decide whether you can buy in the next 12 months — and what's missing.
Personalized plan
I hand you a clear plan: which loan to use, how much down payment you need, and what you must fix (credit, debts, taxes, etc.).
Step-by-step guidance
I walk with you in Spanish through search, offers, negotiation, and all the documents until you're under contract.
Closing and next step
We celebrate the closing and, if you're selling to buy, we plan your next home together.
How can I help you today?
Pick what you need and book your FREE consultation.
Buy a home (first time or next home)
I help you find and buy a home in Texas, even with ITIN, 1099 income, or low savings. We review low down payment options, grants, and special programs.
- ITIN and 1099 loans without stress
- Low down payment programs
- Negotiation in Spanish — you always informed
- Closing coordinated end to end
Sell my home (and, if you want, buy another)
I look at your home with "buyer's eyes," set price and strategy to sell fast, and if you want, coordinate the purchase of your next home step by step.
- Professional home walkthrough
- Premium photography & marketing
- Strategic pricing analysis
- Combined sell + buy plan
12-Month Path to YES Checklist (for Hispanic families in Texas)
Simple checklist with step-by-step monthly actions to buy a home in Texas: credit, savings, debts, and documents.
- Month-by-month credit and savings plan
- Documents you need (ITIN, 1099, W-2)
- Mistakes that get the bank's NO
- Programs and grants for Hispanics in Texas
Latest from the blog
Local market reports, area guides, and home-buying tips for Central Texas.
What Hispanic families who already bought are saying
Real stories from families who went from NO to YES with Sully.
“Sully got me $22,000 in grant money I didn't know existed! Used Texas First-Time Buyer program and city assistance. Now I own my dream home in Round Rock with only 3% down.”
Maria Gonzalez
Round Rock, TX
“Listed on Monday, had 3 offers by Friday, sold for $15K over asking! Marketing strategy brought qualified buyers immediately.”
The Rodriguez Family
Austin, TX
“House sat on market for 4 months with another agent. Sully repriced it and sold in 18 days!”
Jennifer Smith
Georgetown, TX
Frequently Asked Questions
Got questions? I've got answers.