About Ruth
Proudly serving clients across New York, Connecticut and New Jersey.
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.
Realtors! Announcing Our: Real Estate Realities Masterminds
On 10/21/2026 at 2:00 pm
In a crowded market, doing great work is not always enough. People also need to understand what makes working with you different. Join me for Real Estate Realities: Jumpstart Your 2027 with Lance Pendleton on October 21 at 2 p.m. ET. Lance will share how to: - Create messaging that cuts through industry noise - Build a business around what clients truly need - Deliver an experience people remember and want to refer See you there!
Borrower Testimonials
friendy and responsive
costant communication
Ruth was very helpful and informative. She worked with us step by step and we felt she did everything she could to educate us and provide us with the best rate possible. We would absolutely recommend her to family and friends.
very happy with Ruth she helped me so much with the whole process
Ruth is amazing! She is incredibly responsive, stays on top of everything, and maintains constant communication with both the Realtor and clients. She’s especially wonderful with first-time buyers, providing as much guidance and reassurance as needed while keeping everyone informed and up to date throughout the entire process.
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...
Jamie is a great fair and hardworking person he will help anyone get their loans for a house would recommend working with him
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!
Great team to work effort! Great results & consistency .
Great communication and attentiveness
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 ...
Corey was amazing, worked with us very closely called us everyday if we needed anything
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...
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.
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.
Can’t do this without Ruth’s help!
I had a fantastic experience working with Ruth at Fairway. Massively simplified the home buying process. Will recommend to friends and family.
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...
Everyone was very nice and knowledgeable
Ruth was amazing the whole time. she was always available when we had questions no matter the time of day.
Ruth was great, knowledgeable, and got me closed quickly!
Overall very easy experience , communication and very helpful
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