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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 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.
Rating: 5.0 out of 5.0 from Encompass Quick responses to questions and jnformation ChristopherMahopac, NY Oct 27
Quick responses to questions and jnformation
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 ! TonjiaHopewell Junction, NY Oct 02
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 !
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. LouiseHopewell Junction, NY Sep 17
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.
Rating: 4.5 out of 5.0 from Encompass Ruth was very informative and supportive throughout the process. MargaretDanbury, CT Aug 01
Ruth was very informative and supportive throughout the process.
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! JasonDanbury, CT Jul 16
Working with Ruth was very easy and smooth. Communication was great throughout and everything she said she would do she did!
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 May 09
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 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 May 09
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 May 09
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 Jamie is a great fair and hardworking person he will help anyone get their loans for a house would recommend working with him Suaz May 09
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 Can’t do this without Ruth’s help! Aaron wei May 09
Can’t do this without Ruth’s help!
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 May 09
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 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 May 09
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 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 May 09
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 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 May 09
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...