Christopher Rutherford

Loan Officer at Midwest Equity Mortgage, LLC

Originally from Cincinnati, Ohio, I went to school in Columbus where I graduated from The Ohio State University. I then moved to San Diego in 1999 shortly after graduation and quickly realized my intended "temporary" move was going to be a permanent one. So much so that both of my brothers moved out here shortly after, and we’re still trying to get our sisters out here as well.

After beginning my career in education, I changed career paths and began working in the San Diego housing market. I worked alongside builders and contractors in sales and project management before I was offered an opportunity with an expanding mortgage company in 2006. I have been very fortunate over the past eight years to work with some of the best people in the business since I began my career in residential mortgages. Those people and the work ethic that was instilled in me while growing up, has helped make me the professional that I am today.

Shortly after the beginning of my career, the mortgage industry and our economy, was turned upside down. It was during this time of transition in our industry that truly shaped the way I do business and how I work with my clients. Much time is given to keeping up with guidelines and keeping track of new products to help my clients. The passion I have in helping people and the pride I take in the service I give to my clients, keeps me excited to come into the office every day.

When I’m not playing quarterback for your purchase or refinance, I’m spending time with my brothers and my boxer Cincy. Ever since I have moved to California, I have found every reason to get out and enjoy America’s finest city by running marathons, hiking our mountains, taking in the beaches and experiencing all of the cuisine that our city has to offer. I have taken the time to give what I can back to our city by volunteering with Habitat for Humanity and am currently a big brother in the Big Brother Big Sister program. It is my goal to continue to build upon my knowledge and reputation of my profession and give you a stress free experience in purchasing or refinancing your home. I enjoy doing what I do and I enjoy working with the people that I do and I look forward to working with you.

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"My advice goes beyond quoting rates and fees because I am committed to helping you make a truly informed decision."

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Call Christopher Rutherford at (619) 610-9805.

Education and Experience

Bachelor of Arts, The Ohio State University 1998
Sr. Loan Originator, Paramount Equity Mortgage 2006-2010
Sr. Loan Originator, PNC Mortgage 2011
Sr. Loan Originator, Midwest Equity Mortgage, LLC 2011- Present

What My Clients Say

I really appreciate Chris's ability to explain confusing concepts and processes. He takes the time to make sure that I understand how decisions will impact me financially both in the short-term and in the long-term. During our refinance, I feel like I was given all the information so that I could make the best decision for me. He does what he says he's going to do, when he says he's going to do it. I have referred others to him without reservation and will continue to do so.
- Angela

Chris has worked very hard to find mortgage products that helped our family solve complex and burdensome financial issues. His thorough attention to detail and rigorous work ethic facilitate an outstanding ability to communicate with clients and achieve solutions in a seamless and timely manner. I would happily recommend Chris without reservation. Thank you!
- Dan

Chris Rutheford’s calm demeanor, industry knowledge, honest approaches and patience to all of my issues while refinancing my home was outstanding. I have had the pleasure of referring many of my friends to Chris because I know he will take as good of care of them as he did me.
- Bob

I have refinanced with Chris Rutherford and Midwest Equity Mortgage a number of times, and every time I am amazed at how painless Chris makes what had previously seemed an often painful process. Thanks to his expert guidance and knowledge of the mortgage industry, his attention to detail in helping me gather all of the necessary documentation, and his efforts to make everything as convenient as possible for me, the customer, I would not hesitate to recommend Chris and Midwest Equity Mortgage to anyone in need of their services.
- Liz

"At a time when I couldn't even get a live person on the phone from my big bank nor my big former lender, Chris was available and attentive to what I was trying to do with my refinance and then again with my new home mortgage. Smooth experience and best rates both times. Highly recommended."
- Ryan

Chris Rutherford exemplifies what I wanted in the person who looked after my refinance. I was impressed with his friendly nature when we first met and seemed to enjoy my asking a plethora of questions. Since the process necessitated a couple of fact finding meetings before the final signing I grew to admire his patience and total grasp of my requirements. He offered time saving suggestions to make the process easier and found time to meet my erratic schedule. I intend to use him again in helping me to consolidate my two mortgages. I know he will make a concerted effort to find me the best deal and as before be willing to spend the time to provide me with several options.
- Bela

The mortgage and refi process can be a huge pain. Not with Chris. He's transparent, incredibly professional, extremely knowledgeable, has a tireless work ethic, diligent and just a person that we trust. You are in good hands with Chris.
- Gerry

I recently refinanced my home with Chris, and with his help, the process was easy and stress-free for me. Chris took the time to answer all of my questions, explain the pluses and minuses of all my options, and was supportive in the decisions that I ultimately made. I'm happy with my refinance, and I would definitely recommend Chris to a friend.
- Patrick

Chris Rutherford was very helpful in getting our refinance done in 2013. We chose Midwest not only for the low cost refi, but because Chris was straightforward, no-nonsense, gave us all the facts that we needed to make an informed decision. For us, our monthly was lower, our rate was lower, and he gave us options going forward for ways to save in other areas. Thanks Chris!
- Eddie and Karen

"Chris was prompt and was in top of things from start to finish."
- Shantu

Chris was very thorough in explaining my options and guided me into making the best decision in my refinance consolidating loan. Thank you again and will be doing business with you in the future.
- Santiago

My husband and I worked with Chris Rutherford on a residential home refinance in the summer of 2012. We found Chris to be extremely knowledgeable about the mortgage industry and was able to provide us with relevant recommendations that met our unique needs. Chris was also very customer service friendly, keeping in touch with us with updates on a regular basis during the entire process and getting requested information to us in a timely manner. He was also able to simplify this complex process so that it was digestible and as painless as possible. I look forward to retaining Chris’s services in the future should we pursue another refinance or mortgage-related service!
- Shana

I spoke with many finance companies before deciding to go with Midwest Equity strictly because of Chris Rutherford. After speaking with Chris, I knew there was no other choice.I felt a comfort level and found superior customer service with him that I did not find anywhere else. There were no surprises, everything was up front, done quickly and explained in a way that made me feel at ease. I couldn't be any happier about my experience with Chris, I truly thank him for helping me through this dark period. The whole process of working with Chris could not have gone any smoother. You will not find a better person to help you, try him and you will see for yourself. This guy is a true professional who is very good at what he does and has exemplary manners you just don't find in this world often nowadays.
- Michael

Chris closed my refinance quickly and efficiently. He gave me all the necessary information up front along with all the details of the transaction. I was especially pleased that he met with me initially on a Sunday as both our schedules were difficult. At that time he told me all the documentation and statements that I would need to bring. When an additional document was needed he picked it up from me at work. When it came time to sign the final paperwork it was completed at my home which was a huge convenience and courtesy for me. I was very pleased and impressed with Chris' professionalism and work.
- Sondra

We have both refinanced with Chris and used his services on a new mortgage. On both occasions we were impressed at the expert guidance, knowledge of the mortgage industry, and attention to detail Chris provided. He clearly laid out our options each time and made it easy to gather the documentation. The rates he provided were competitive and he made everything convenient as possible. I would not hesitate to recommend Chris to anyone in need of his services.
- Marty

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Office Location

San Diego Office:
Midwest Equity Mortgage, LLC
3131 Camino Del Rio North
Suite 800
San Diego, CA 92108

Phone:
(619) 610-9800

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