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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.
Ruth was great, knowledgeable, and got me closed quickly! Frank North Salem, NY February 23 Rating: 5.0 out of 5.0 from Encompass
Ruth was great, knowledgeable, and got me closed quickly!
Overall very easy experience , communication and very helpful Gina Wappingers Falls, NY December 22 Rating: 5.0 out of 5.0 from Encompass
Overall very easy experience , communication and very helpful
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! Emmanuella Cortlandt Manor, NY December 22 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!
It was easy to work with Ruth Walnick. Junior Cortlandt Manor, NY December 15 Rating: 5.0 out of 5.0 from Encompass
It was easy to work with Ruth Walnick.
Such a great pleasure working with Ruth! Michael White Plains, NY November 26 Rating: 5.0 out of 5.0 from Encompass
Such a great pleasure working with Ruth!
Ruth was amazing and walk us through everything. She is the best. Lisa White Plains, NY November 24 Rating: 5.0 out of 5.0 from Encompass
Ruth was amazing and walk us through everything. She is the best.
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. MariaElaina White Plains, NY November 13 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.
Quick responses to questions and jnformation Christopher Mahopac, NY October 27 Rating: 5.0 out of 5.0 from Encompass
Quick responses to questions and jnformation
An amazing person throughout the entire time for my planning of approval to the end of closing. Thank you Ruth for going so above and beypnd in getting me though the loan. Highly recommend ! Tonjia Hopewell Junction, NY October 02 Rating: 5.0 out of 5.0 from Encompass
An amazing person throughout the entire time for my planning of approval to the end of closing. Thank you Ruth for going so above and beypnd in getting me though the loan. Highly recommend !
Communication! As an agent,and for our clients we always know what's going on with the loan, and she explains everything to our clients until they understand, especially with our first time home buyers. Ruth is easy to work with she has a way of making our clients comfortable. Louise Hopewell Junction, NY September 17 Rating: 5.0 out of 5.0 from Encompass
Communication! As an agent,and for our clients we always know what's going on with the loan, and she explains everything to our clients until they understand, especially with our first time home buyers. Ruth is easy to work with she has a way of making our clients comfortable.
Ruth was very informative and supportive throughout the process. Margaret Danbury, CT August 01 Rating: 4.5 out of 5.0 from Encompass
Ruth was very informative and supportive throughout the process.
Working with Ruth was very easy and smooth. Communication was great throughout and everything she said she would do she did! Jason Danbury, CT July 16 Rating: 5.0 out of 5.0 from Encompass
Working with Ruth was very easy and smooth. Communication was great throughout and everything she said she would do she did!