Warm golden hour exterior view of a modern Northern California home in Shasta County with clean architectural siding and welcoming entryway, framed against mountains
Warm golden hour exterior view of a modern Northern California home in Shasta County with clean architectural siding and welcoming entryway, framed against mountains
California Mortgage Guidance

Meet Luke Ruggiero

California mortgage guidance with a personal connection. Luke originates mortgages with Professional Mortgage Associates, serving homebuyers in Redding, Palo Cedro, Shasta County and throughout California.

Mortgage Specialty
Personalized Planning

Helping buyers take the next step since 2018

Work directly with Luke

Luke began originating mortgages in 2018. His specialties are first-time homebuyers and VA loans. Whether you are exploring a first purchase or have questions about VA financing, start with a conversation about your goals and next steps. Eligibility and loan terms depend on your circumstances and applicable program requirements.

Most conversations can begin by phone, text or email. A free 15-minute phone planning call gives you a place to discuss your timeline, ask questions about preparing for a mortgage and decide what to do next. This introductory conversation is not an application, preapproval or commitment to lend.

Serene Northern California landscape view in Palo Cedro Shasta County with oak trees under soft afternoon sunshine
Serene Northern California landscape view in Palo Cedro Shasta County with oak trees under soft afternoon sunshine
Palo Cedro Location

Local office, remote convenience

Luke's office is at 9434 Deschutes Rd, Suite 211, Palo Cedro, CA 96073. In-person visits are by appointment only; please arrange your visit first. Phone consultations are available for buyers throughout California. Phone booking availability is Monday–Friday, 9am–2pm Pacific, subject to available appointment slots. These are phone appointment times, not walk-in office hours.

Verify Luke's DRE license
NMLS Consumer Access
Licensing Information

Professional credentials

Luke Ruggiero: NMLS #1713993, California DRE #02069888. Professional Mortgage Associates: NMLS #815819, California DRE #01902537. Licensed by the California Department of Real Estate.

Book a free planning call
Next Steps

Start with your questions

Buyer Guides & Direct Contact

Secure Document Submission

Explore the first-time homebuyer guide or learn more about mortgage guidance for Redding and Shasta County.

Do not send Social Security numbers, account details or financial documents by ordinary email or general website forms. Ask Luke about secure document submission.

Phone: 530-605-6341 · Email: luke@cali-lender.com