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about me

Shea is committed to navigating the new mortgage landscape through his extreme attention to detail and vast knowledge of mortgage-related laws and regulations. The lending process has vastly changed in the last couple of years, and his attention to detail combined with his ability to communicate these new requirements to his clients is the reason Shea is known for his creativity and customer service.

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Focus on the move, not the mortgage.

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about total mortgage

At Total Mortgage, we work hard to make it easy. Since 1997, we've combined the personal service and accountability of a local lender with the low rates and product selection of one of the big guys. No matter the loan, we’re with our borrowers every step of the way, from application to closing. It’s no wonder we are a five-star rated lender on Zillow.

client testimonials


I am very happy with the service Shea Ruthe recently provided. My wife and I were in the process of purchasing our first home, and Shea really went above and beyond to lay out and explain financing options that I didn't know existed. I thought myself pretty savvy after having checked out the market via websites and agents, but Shea was able to put a package together that significantly increased the number of properties we could afford. I could not have asked for better or more professional service.

Patrick S.


Wow cannot emphasize enough what a great experience this has been. Shea is extremely knowledgeable, efficient, professional, trustworthy and most importantly positive and fun! He understands that this process can be stressful and keeps you updated on each step, takes the time to educate you on the process and answers all your questions. He made a usually very stressful experience pleasant and something we looked forward to. We have made a lifelong friend through this process and look forward to doing all our future loans with him. I cannot recommend enough. Shea all the way!!

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Borrower in Newark, CA

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