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Our Team

Our team has over a hundred 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.

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


Rob Covarrubias


Call Rob 805-610-6194

Email Rob

NMLS# 457411

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Michele York

California, Texas


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


Logan Wais

Arizona, California, Montana, Texas


After experience as a youth pastor, construction estimator and superintendent, Logan stumbled into the awesome potential of real estate investing which changed his career direction completely. Now he is passionate about sharing the great potential of real estate and helping people find financial success whether it is a purchase, refinance, construction project or investment.

Call Logan at (805) 709-4877

Email Logan at

NMLS# 2167731


Elizabeth Fisher


Call Elizabeth 661-609-0387 or 303-775-1449

Email Elizabeth

NMLS # 1444441

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Stephen Henry

California, Colorado, Washington


Stephen grew up on the Central Coast of California and graduated in 2018 from Simpson University with a bachelors degree in Organizational Leadership after getting his pilot license in San Diego. His most recent work experience included charter sales and marketing at ACI Jet and is now excited to bring that same level of customer service to the mortgage industry. 

Call Stephen at (805) 459-4688

Email Stephen at

NMLS# 2016353

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John "JJ" Jeffrey


27 years in Mortgage Lending

Expert in home financing | Home Ownership Guide | Connection Creator | Community through Volunteering 

I believe home financing is an amazing tool when used correctly, and can  create a lifetime of financial freedom and stability.

People| Understanding| Partnership
I believe the strongest foundations in life and business are the relationships we cultivate. I’m passionate about helping people at all stages in life as a resource and strive to be the “Got To” person resource to call for home financing. That’s why I love what I do! I get to meet so many people, and learn about their specific needs, and help them create a path to meet their goals. My commitment is to be the best possible resource to YOU.

Call "JJ" 303-618-1990

Email "JJ"

NMLS # 201683


Our Operational Team


Stacy Moltz

Administrative Assistant

Call Stacy 979-877-3500



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


David Waas

Accounting Administrator

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