A Different Perspective

Most lenders just plan to close your loan. We help you plan your legacy.

Our team has fifty years of combined real estate experience. We have a passion for helping people get into homes, facilitating strong investments, and tackling new and interesting financing challenges.

Our Team

Owner & President

David S. Ruch

Colorado, California, Oklahoma, Washington, Idaho, Montana, North Dakota

Mr. Ruch’s career as a mortgage lender, real estate broker and investor spans 37 years, including ownership of Nationwide Home Loans for the last 25 years.


 Ruch is Owner and President of Nationwide Home Loans, Inc., an umbrella company which also owns the realty company New Millennium Homes. His multiple licenses include Mortgage Banker, Mortgage Broker, and Real Estate Broker in Colorado and California.


Call David 303-888-6114

Email David

NMLS# 309022

Our Loan Originators

Matt Hiltner 4.png

Matt Hiltner

Colorado, Texas

Email Matt

NMLS# 1694008


Lynn Pommerening


Call Lynn 903-641-3334

Email Lynn

NMLS# 181269


Elizabeth Fisher


Call Elizabeth 661-609-0387

Email Elizabeth

NMLS # 1444441


Rob Covarrubias


Call Rob 805-610-6194

Email Rob

NMLS# 457411


Sabrina Harper


Call Sabrina 805-610-5805

Email Sabrina

NMLS# 770422


Greg Bass


Call Greg 805-202-6313

Email Greg

NMLS# 1744983

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Michele York



Michele brings a unique perspective, having worked for a company that makes dreams come true.  She started her career many years ago at Vista Federal Credit Union, now Partners FCU – the Credit Union for Walt Disney Company Cast Members. Michele had the opportunity to learn from one of the most successful service-oriented companies in the world, at the Happiest Place on Earth! She moved through the ranks, gaining valuable experience in Operations, Lending, Training and Marketing. 

Harnessing the skills and knowledge gained at Vista FCU, Michele moved on to work for numerous credit union clients while with Minnesota Mutual.  As a Client Development Manager, she was responsible for the training, development, coaching and motivation for more than 20 credit union loan departments.  Her tenure at Minnesota Mutual gave Michele the opportunity to successfully navigate numerous, diverse financial institutions with varying levels of sales expertise. Michele then jumped head first into the arena of motherhood and volunteerism, where she tirelessly dedicated her time and effort to such organizations as Children’s Miracle Network, Shell Beach Elementary PTO, SSC at Judkins Middle School, The Oak Park Estates HOA Board, Girl Scouts, Arroyo Grande City Council Election Campaign (2016 &2020). Heck, she even coached her son Camren’s AYSO youth soccer team for several years! Michele is also a licensed Real Estate Agent in the state of CA. She is excited to be back in a position in which her hard work and experience will contribute to making your mortgage dreams come true!

Email Michele

NMLS# 1977320

Our Operational Team


Jeana Oliva

Administrative Assistant

Jeana has previous years experience as a SR. Funder in the mortgage industry, she left the industry to raise her children and help her husband with his business. She is excited to be back and looks forward to adding to the dynamic at Nationwide Home Loans, Inc. family.
Besides family time, she enjoys nurturing others through her love for cooking, visiting Sedona, AZ, and bringing joy to everyone she interacts with. 

Call Jeana 951-719-5021

Email Jeana


Marcia Renzi

Accounting Administrator


Lori Ransom

Accounting Administrator