About Me.
I'm Zac Ruiz, a Marine Corps veteran and JPMorgan alum. I've lived the bootstrapped startup life and served on the leadership team of an EOS-run homebuilder doing about 130 homes a year. Today I operate CloseBoth and AgentTitle, which help top-producing agents own the mortgage and title businesses around their transactions. The systems I build are what make that ownership possible without adding to their workload.
I've been building and running businesses since 2014, and software engineering has been my primary tool since 2019. Living in both worlds has taught me to see the full board, from codebase to cash flow, and to build systems around how businesses actually work in practice.
Even after seeing the inner workings of companies across many industries, I keep coming back to real estate. I love talking about it so much that I co-founded AVLmeetup, which grew into the largest real estate meetup in Western North Carolina before we ended it in October 2025: 102 industry panelists, 2,229+ check-ins, and 7,417+ networking and education hours. I shared a lot of what I think from that stage, and the podcast archive is still live. I also run Ruiz Report and remc, two products that keep me close to the market data and agent behavior shaping the industry.
Industries I Know
Real estate, construction, and the trades. Builders, agents, investors, property managers, lenders, title companies, and operators whose businesses run on relationships, timing, and field execution. I operate the mortgage branch that employs our dual-licensed agents and help coordinate the title businesses they own.
Ways to Work Together
If you're a top-producing agent or team, especially with a lot of buyer-side sales volume, I can help you build a mortgage business and title company around your transactions. That is most of what I do.
Alongside those businesses, I take on one or two clients a year whose companies have outgrown the systems holding them together. See how I work with founders.
Most agents hand the mortgage and title work to someone else and never see it again. If you want to own more of your transactions,