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Ruth Walnick helps homebuyers and homeowners navigate the mortgage process without the confusion or stress that often comes with big financial decisions. Based in New York, Ruth has been originating loans since 2020 and is known for her calm, reassuring style, and clear communication. Her clients—especially first-time buyers—appreciate that she takes the time to explain every step, so they feel confident and supported from start to finish.
What sets Ruth apart is her dependability and problem-solving mindset. When challenges arise, she doesn’t panic—she gets to work. One moment that shaped her approach was helping a family who had sold their home and were living in a hotel after an appraisal came in $75K short with another lender. Ruth stepped in, submitted their loan, and the appraisal came in at value. She closed the loan in less than 21 days so they could move out of the hotel and into their beautiful new home. That experience reinforced her belief that borrowers deserve a guide who will go the extra mile when it matters most.
Outside of work, Ruth is a proud mom of two girls and a grandma to two boys. She loves taking Pilates classes, traveling, and finding new ways to stay active and inspired. Anyone who knows Ruth knows she brings that same energy and dedication to her clients—always striving to make the mortgage process feel clear, calm, and stress-free.
Rating: 5.0 out of 5.0 from Zillow As first-time home buyers, my husband and I were very anxious about obtaining a mortgage. Ruth held our hand and thoughtfully guided us through the entire process from beginning to end. She answered every call/email or text that I made to her (and there were a lot of them) and was even there in the room with us at our closing! She worked diligently... MarietCortlandt Manor, NY Jul 16
As first-time home buyers, my husband and I were very anxious about obtaining a mortgage. Ruth held our hand and thoughtfully guided us through the entire process from beginning to end. She answered every call/email or text that I made to her (and there were a lot of them) and was even there in the room with us at our closing! She worked diligently...
Rating: 5.0 out of 5.0 from google Rene, Kelly, Amanda and Sue were a great team that successfully got the job done and my wife and I are homeowners. Also keeping in contact via phone and/or email they never lost contact and was always encouraging. This is a mortgage corporation I would refer with confidence. Thank you guys, we appreciate you. Darryl Ray Jul 16
Rene, Kelly, Amanda and Sue were a great team that successfully got the job done and my wife and I are homeowners. Also keeping in contact via phone and/or email they never lost contact and was always encouraging. This is a mortgage corporation I would refer with confidence. Thank you guys, we appreciate you.
Rating: 5.0 out of 5.0 from google Great team to work effort! Great results & consistency . Danian Aljoe Jul 16
Great team to work effort! Great results & consistency .
Rating: 5.0 out of 5.0 from google Great communication and attentiveness aman mekonen Jul 16
Great communication and attentiveness
Rating: 5.0 out of 5.0 from google I met Erik Boci, from Fairway Independent Mortgage Corporation, almost a year ago and first impression was everything! He is very knowledgeable, friendly, and willing to help. He will not hesitate to go the extra mile. He made a first time home buyer feel like an experienced one thanks to the wealth of knowledge he shared along the way. He is very ... Justin Ramrikhi Jul 16
I met Erik Boci, from Fairway Independent Mortgage Corporation, almost a year ago and first impression was everything! He is very knowledgeable, friendly, and willing to help. He will not hesitate to go the extra mile. He made a first time home buyer feel like an experienced one thanks to the wealth of knowledge he shared along the way. He is very ...
Rating: 5.0 out of 5.0 from google Corey was amazing, worked with us very closely called us everyday if we needed anything Silva Surfer Jul 16
Corey was amazing, worked with us very closely called us everyday if we needed anything
Rating: 5.0 out of 5.0 from google I cannot say enough good things about Erik. From the moment I was in contact with him, he was incredibly responsive, knowledgeable, and diligent. He walked me through every step of the mortgage application process and made sure I understood all the terms and options available to me. I would highly recommend this mortgage lender to anyone in need of... Natacha Charles Jul 16
I cannot say enough good things about Erik. From the moment I was in contact with him, he was incredibly responsive, knowledgeable, and diligent. He walked me through every step of the mortgage application process and made sure I understood all the terms and options available to me. I would highly recommend this mortgage lender to anyone in need of...
Rating: 5.0 out of 5.0 from google Ruth is excellent! She explained the loan process in great detail. On top of that, many times she helped us with information on adjacent topics. Rush has been highly responsive and answered all our questions. Thank you, Ruth! Marina Ciocea Jul 16
Ruth is excellent! She explained the loan process in great detail. On top of that, many times she helped us with information on adjacent topics. Rush has been highly responsive and answered all our questions. Thank you, Ruth!
Rating: 5.0 out of 5.0 from google I've purchased four houses over the past five years with Fairway. On all four occasions, they have always been helpful, available, and friendly every step of the way. Jon Steiner Jul 16
I've purchased four houses over the past five years with Fairway. On all four occasions, they have always been helpful, available, and friendly every step of the way.
Rating: 5.0 out of 5.0 from google Can’t do this without Ruth’s help! Aaron wei Jul 16
Can’t do this without Ruth’s help!
Rating: 5.0 out of 5.0 from google Jamie is a great fair and hardworking person he will help anyone get their loans for a house would recommend working with him Suaz Jul 16
Jamie is a great fair and hardworking person he will help anyone get their loans for a house would recommend working with him
Rating: 5.0 out of 5.0 from google I had a fantastic experience working with Ruth at Fairway. Massively simplified the home buying process. Will recommend to friends and family. Elliot Gardiner Jul 16
I had a fantastic experience working with Ruth at Fairway. Massively simplified the home buying process. Will recommend to friends and family.
Rating: 5.0 out of 5.0 from google As first-time home buyers, my husband and I were very anxious about obtaining a mortgage. Ruth held our hand and thoughtfully guided us through the entire process from beginning to end. She answered every call/email or text that I made to her (and there were a lot of them) and was even there in the room with us at our closing! She worked diligently... Marie Tarone Jul 16
Rating: 4.5 out of 5.0 from Encompass Everyone was very nice and knowledgeable AxelDover Plains, NY Jul 06
Everyone was very nice and knowledgeable
Rating: 5.0 out of 5.0 from Encompass Ruth was amazing the whole time. she was always available when we had questions no matter the time of day. AlexaLancaster, NY May 08
Ruth was amazing the whole time. she was always available when we had questions no matter the time of day.
Rating: 5.0 out of 5.0 from Encompass Ruth was great, knowledgeable, and got me closed quickly! FrankNorth Salem, NY Feb 23
Ruth was great, knowledgeable, and got me closed quickly!
Rating: 5.0 out of 5.0 from Encompass Overall very easy experience , communication and very helpful GinaWappingers Falls, NY Dec 22
Overall very easy experience , communication and very helpful
Rating: 5.0 out of 5.0 from Encompass Ruth Is the best! she was working with my husband and I for about 3 years and she never lost patience with us. I would definitely recommend her to anyone looking to purch a home! EmmanuellaCortlandt Manor, NY Dec 22
Ruth Is the best! she was working with my husband and I for about 3 years and she never lost patience with us. I would definitely recommend her to anyone looking to purch a home!
Rating: 5.0 out of 5.0 from Encompass It was easy to work with Ruth Walnick. JuniorCortlandt Manor, NY Dec 15
It was easy to work with Ruth Walnick.
Rating: 5.0 out of 5.0 from Encompass Such a great pleasure working with Ruth! MichaelWhite Plains, NY Nov 26
Such a great pleasure working with Ruth!
Rating: 5.0 out of 5.0 from Encompass Ruth was amazing and walk us through everything. She is the best. LisaWhite Plains, NY Nov 24
Ruth was amazing and walk us through everything. She is the best.
Rating: 5.0 out of 5.0 from Encompass Ruth is warm, friendly and a great communicator. Her follow-up is on point. Her sevice to me and my clients are superior and I trust her explicitly. She is my preferred lender and I always recommend her to clients, family and friends. MariaElainaWhite Plains, NY Nov 13
Ruth is warm, friendly and a great communicator. Her follow-up is on point. Her sevice to me and my clients are superior and I trust her explicitly. She is my preferred lender and I always recommend her to clients, family and friends.