Mortgage Advisor
NMLS #
2614569
Email:
pfrutig@changemtg.com
Direct:
(915) 493-6758
Cell:
I'm a Texas-based mortgage loan officer with 4 years of industry experience helping families turn homeownership dreams into reality. Whether it’s a straightforward purchase or a complex scenario, I specialize in solving problems and finding creative financing solutions that others often overlook.
As a certified CDFI lender, we proudly serve the entire Texas community — from first-time homebuyers to self-employed borrowers with non-traditional income. I'm a one-stop shop for clients who’ve been told “no” elsewhere, and take pride in turning those into “yes.”
I love what I do because I get to play a part in one of the biggest and most meaningful milestones in people’s lives — homeownership. Helping families achieve their dreams is the most rewarding part of my job.
Office:
(915) 224-1540
NMLS #
1813940
Branch is licensed & authorized to do business in:
AZ, CA, NM, OH, TX
View Branch
I'm a Texas-based mortgage loan officer with 4 years of industry experience helping families turn homeownership dreams into reality. Whether it’s a straightforward purchase or a complex scenario, I specialize in solving problems and finding creative financing solutions that others often overlook.
As a certified CDFI lender, we proudly serve the entire Texas community — from first-time homebuyers to self-employed borrowers with non-traditional income. I'm a one-stop shop for clients who’ve been told “no” elsewhere, and take pride in turning those into “yes.”
I love what I do because I get to play a part in one of the biggest and most meaningful milestones in people’s lives — homeownership. Helping families achieve their dreams is the most rewarding part of my job.
Change Lending, LLC dba Change Home Mortgage is a state-licensed mortgage lender, NMLS ID #1839. To verify licenses, visit www.nmlsconsumeraccess.org. Headquartered at 175 N Riverview Drive, Suite C, Anaheim, CA 92808. AZ: Arizona Mortgage Banker License #0925326; CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act and California Financing Law; CO: Regulated by the Division of Real Estate; GA: Georgia Residential Mortgage Licensee #48010; MN: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206(3) & (4); NJ: Residential Mortgage Lender License – N.J. Department of Banking and Insurance; OH: Ohio Residential Mortgage Lending Certificate of Registration #RM.804654.000. RI: Rhode Island Licensed Lender #20224336LL; For other states, visit www.changemtg.com. All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms, and conditions may change without notice. Not all programs are available in all states. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. Some of the products referenced are originated by The Change Company CDFI LLC, the parent company of Change Lending, LLC. The Change Company CDFI, LLC (“TCC”) is a state-licensed mortgage lender, NMLS ID #2486868. For additional information, visit www.thechangecompany.com. CHANGE LENDING, LLC AND ITS LOAN PRODUCTS ARE NOT SPONSORED OR ENDORSED OR BEING OFFERED BY THE U.S. TREASURY DEPARTMENT OR ANY OTHER GOVERNMENT AGENCY. © 2025. Change Lending, LLC. All rights reserved.
Change Lending, LLC dba Change Home Mortgage is a state-licensed mortgage lender, NMLS ID #1839. To verify licenses, visit www.nmlsconsumeraccess.org. Headquartered at 175 N Riverview Drive, Suite C, Anaheim, CA 92808. AZ: Arizona Mortgage Banker License #0925326; CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act and California Financing Law; CO: Regulated by the Division of Real Estate; GA: Georgia Residential Mortgage Licensee #48010; MN: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206 (3) & (4); NJ: Residential Mortgage Lender License – N.J. Department of Banking and Insurance; OH: Ohio Residential Mortgage Lending Certificate of Registration #RM.804654.000. RI: Rhode Island Licensed Lender #20224336LL; For other states, visit www.changemtg.com. All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms, and conditions may change without notice. Not all programs are available in all states. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. CHANGE LENDING, LLC AND ITS LOAN PRODUCTS ARE NOT SPONSORED OR ENDORSED OR BEING OFFERED BY THE U.S. TREASURY DEPARTMENT OR ANY OTHER GOVERNMENT AGENCY. © 2022. Change Lending, LLC. All rights reserved.