Our Company

Incorporated in 1992 by Raymond J Ruddy Jr., our company has been family owned and operated ever since.  We have achieved over 1.5 Billion in loan fundings/closings and have survived and thrived throughout numerous ups and downs in the market.


Our Mission

Our mission is to give personal service, to educate our clients along the way, to offer sage advice and to maintain top tier competitive pricing.

Our Vision

Our vision is to speed up, simplify and demystifying the sometimes extremely complex home loan process by increasing efficiency through technology while maintaining a client experience of personal service.


We search to find the most cost effective solution for you.



We are intentional about informing you of costs, options and the process.


We keep your information private and never sell or share it unless it is necessary to get you funded. Please view our Privacy Policy for more details.


We have been working with home owners for over 25 years.


We can discover solutions that may be new to you.


We answer your questions, educate you and provide you with a single point of contact for the entire process.


We fill out paperwork for you. Your time is more valuable than money.


We offer a number of secure communication and storage options.


We utilize electronic signatures and disclosures to speed the process up for you.

Raymond John Ruddy, III

Raymond John Ruddy, III

CA Bur of Real EstateReal Estate Broker

NMLS# 234935

BRE # 01264395

Raymond J Ruddy III has 20+ years experience in the home loan/mortgage business and has closed nearly 1000 transactions. Ray J is excited by speeding up, simplifying and demystifying the sometimes extremely complex process of closing a home loan, by increasing efficiency through technology, and by achieving an excellent client experience.

Anthony Michael Ruddy

Mortgage Loan Officer



Raymond John Ruddy, Jr


Sunset West Financial, Inc. DBA Amerimac Plaza West Financial

1238 Puerta Del Sol # 2B, San Clemente CA 92673

Phone 949-248-3091

NMLS Unique Identifier 233171

CA Bureau of RealEstate# 01160537

M-F 9AM-5PM PST (After hours by appt/ via email)

Sunset West Financial Inc BBB Business Review