“This was our 3rd home purchase and we’ve NEVER had a lender like him. Ru has raised the bar. If you want the least stress possible during a typically stressful process, go with him.”
There is no way to describe how amazing Ru was/is. Knowledgeable, patient, friendly, a great listener, and a pure joy to work with.
He was also a great communicator and responded in a timely manner. This was our 3rd home purchase and we’ve NEVER had a lender like him. Ru has raised the bar. He was recommended to me by a friend who sang his praises. I trust her word but still didn’t think he could possibly be as awesome as she described. He was - and then some. I highly recommend Ru. If you want the least stress possible during a typically stressful process, go with him. He is one of a kind and I’ll never settle for less again.
Response from Owner
Thank you so much for this incredibly kind and heartfelt review Kat. Reading your words truly means the world to me.
It was such an honor to work with you both, and I’m so grateful for the trust you placed in me throughout such an important milestone. Knowing this was your third home purchase and hearing that this experience stood out so strongly is incredibly meaningful to me. That is exactly the level of service I strive to provide for every client — clear communication, patience, support, and as little stress as possible from start to finish.
I’m also so thankful for your friend who connected us. There is no greater compliment than a trusted referral, and I never take that lightly. The fact that I was able to live up to — and even exceed — those expectations is something I deeply appreciate.
Thank you again for your trust, your generosity, and this amazing review. Working with you was an absolute joy, and I’m always here for you both anytime you need me in the future.
“Ru recently helped my active-duty military clients secure a VA loan and close on their Northern Virginia home in approximately 21 days. He provided high-touch service.”
I highly recommend Ru Toyama with Rate to anyone looking for a knowledgeable, responsive, and dependable mortgage lender.
Ru recently helped my active-duty military clients secure a VA loan and close on their Northern Virginia home in approximately 21 days. From preapproval through closing, he provided high-touch service, communicated proactively, and made himself available whenever our clients or the real estate team needed him.
His knowledge of VA financing and military relocation timelines was especially valuable, as our buyers had recently returned to the United States from Germany. In a competitive multiple-offer market, Ru’s strong preapproval, clear communication, and willingness to speak directly with the listing agent helped strengthen our clients’ offer.
Ru was a true partner throughout the transaction, and our clients were extremely well cared for. I look forward to working with him and the Rate team again!
Response from Ru Toyama at Rate NMLS 1528382
Thank you <span class="facebook-review-message-tag" data-id="27296500846669394" data-length="16" data-name="Julie DMV Homes " data-offset="10" data-type="user">Julie DMV Homes </span>🙏🏽 It was an absolute pleasure working with you and our clients. It’s my goal every time to provide the top tier service to my clients and working with our military families is a big passion for me.
If there’s anything else I can do anytime let me know. Thank you for referring me and making the connection!
I look forward to the next transaction together!
“An exceptional lending partner... highly responsive, high-touch mortgage lender who communicates clearly, stays ahead of deadlines, and makes sure both clients and agents know what is happening.”
Ru Toyama with Rate was an exceptional lending partner from start to finish. He helped our active-duty military clients secure VA financing and close on their Northern Virginia home in approximately 21 days.
Ru is a highly responsive, high-touch mortgage lender who communicates clearly, stays ahead of deadlines, and makes sure both the clients and real estate agents always know what is happening. In a competitive multiple-offer market, his strong preapproval, availability, and ability to speak confidently with the listing agent helped strengthen our clients’ offer.
His knowledge of VA loans and military relocation timelines was especially valuable for buyers who had recently returned to the United States from Germany. Ru worked closely with everyone involved to keep the transaction moving and ensure a smooth, on-time closing.
I highly recommend Ru Toyama to anyone looking for a knowledgeable and dependable VA loan lender or local mortgage professional in Northern Virginia, Washington, D.C., or the surrounding DMV area. I look forward to working with him and the Rate team again.
Response from Owner
Thank you so much for your thoughtful review and kind recommendation Julie. It was a pleasure working with you on this transaction and helping our military clients navigate such an important move back to the United States.
I truly appreciate your partnership, professionalism, and communication throughout the process. In a competitive Northern Virginia market, having a realtor who advocates strongly for the clients and works collaboratively from start to finish makes all the difference. I’m grateful we were able to work together to help them secure their home and close on time.
Thank you again for your trust and support. I sincerely appreciate the opportunity to work alongside you and look forward to partnering again on future transactions.
“This was our 3rd time using Ru for our home loan and he gets more efficient every time. He is a pleasure to work with, keeping things on track to close well ahead of schedule.”
This was our 3rd time using Ru for our home loan and he gets more efficient every time. He is not only a pleasure to work with, but will keep things on track and will meet all deadlines to close well ahead of schedule. Would recommend him to anyone looking to start a mortgage or apply for a HELOC! 10/10 service.
Response from Owner
Thank you so much for your kind words and for trusting me for a third time — that truly means a lot. It’s always an honor to be part of such important milestones, and I’m grateful for the opportunity to help each time.
I really appreciate your recognition of the communication, timing, and overall process. My goal is always to make things as smooth, efficient, and stress-free as possible, so hearing that this experience continued to improve means a great deal to me.
Thank you again for your continued trust, support, and recommendation. It’s been a pleasure working with you, and I’m always here if you ever need anything in the future.
“Ru made the entire process smooth, manageable, and stress-free. His expertise and calm confidence gave us tremendous peace of mind. First-class service in every respect!”
Ru Toyama provided absolutely outstanding service throughout our home purchase. Purchasing a home in Northern Virginia’s incredibly competitive market can be daunting, but Ru made the entire process smooth, manageable, and stress-free from start to finish.
He was knowledgeable, responsive, professional, and always available to answer questions or provide guidance at every stage of the process. His expertise and calm confidence gave us tremendous peace of mind during a major life decision.
What impressed us most was how genuinely invested he was in helping our family succeed — not just closing a transaction. We always felt like we were in the best possible hands!
I would recommend Ru and his expertise to anyone looking to purchase a home. First-class service in every respect!
Response from Owner
Thank you so much for your incredibly kind words. Helping you purchase a home in Northern Virginia’s competitive market was truly a pleasure, and I’m so glad I was able to make the process feel smooth, manageable, and less stressful from start to finish.
I really appreciate you recognizing my responsiveness, professionalism, and guidance throughout the process. Buying a home is one of the biggest decisions a family can make, so it means a great deal to know that my experience and approach gave you peace of mind along the way.
What means the most to me is hearing that you felt I was genuinely invested in your family’s success. That is always my goal — not just to help close a loan, but to be a trusted resource and advocate throughout the entire journey.
“Ru not only helped us reduce our monthly mortgage payment by hundreds of dollars, but he also noticed that our home insurance premium was high.”
Ru not only helped us reduce our monthly mortgage payment by hundreds of dollars, but he also noticed that our home insurance premium was extremely high so he provided us with several referrals and we ended up switching to a new provider, which resulted in even more savings - approximately $1,000! This is our second time working with him, and we would highly recommend him to anyone looking to purchase or refinance their home.
LLaurissa A.
“His professionalism, clear communication, and attention to detail made the entire process smooth and stress-free. He was always responsive, answered questions promptly...”
I had an outstanding experience working with Ru Toyama during a recent real estate transaction. His professionalism, clear communication, and attention to detail made the entire process smooth and stress-free. He was always responsive, answered questions promptly, and provided regular updates, ensuring everyone stayed on the same page. His expertise and dedication truly set them apart, and they went above and beyond to meet deadlines efficiently. I highly recommend Ru Toyama to anyone looking for a reliable, knowledgeable, and client-focused lender. I look forward to working with Ru again in the future!
Response from Owner
Thank you so much for taking the time and writing this review Gina! I’m so happy to hear about your experience working with me and I like to say likewise to you! It makes our job easier when everyone is on the same page and makes a transaction go so much smoother! I appreciate you trusting me with your clients and I’m here to support you anytime!
“Ru was outstanding from start to finish. He was knowledgeable, responsive, proactive, and made sure my clients understood each step of the financing process.”
I can't say enough good things about Ru and the team at RATE! As a Realtor® serving Virginia and North Carolina, with a strong focus on Hampton Roads, Virginia Beach, military relocation, VA buyers, first-time homebuyers, and relocation clients, having a lender I can trust is incredibly important.
Ru was outstanding from start to finish. He was knowledgeable, responsive, proactive, and made sure my clients understood each step of the financing process.
I have worked with many lenders over the years, and I truly appreciate professionals who understand that buying a home is about much more than just getting a loan. Ru understands the importance of the entire transaction and works collaboratively with the real estate agent to help create a smooth experience for the client.
If you're buying a home in Virginia or North Carolina, especially in the Hampton Roads or Northeast North Carolina markets, I highly recommend Ru at RATE. Having the right lender and the right Realtor® working together can make all the difference!
Response from Owner
Thank you so much for the amazing review and for trusting me and the team at RATE with your clients. It was truly a pleasure working with you in Norfolk, and I really appreciate your partnership—especially given your strong focus on serving military families, VA buyers, and relocation clients across Hampton Roads and Northeast North Carolina.
Your professionalism, communication, and advocacy for your clients made it easy to work together and helped create that smooth experience we all want for our buyers. I couldn’t agree more that a successful home purchase is about much more than just the loan—it’s about the entire team working in sync for the client’s best outcome.
I’m grateful for the opportunity to be part of your clients’ homebuying journey and I look forward to helping many more buyers together in Virginia and North Carolina. Thank you again for the kind words and for being such a fantastic Realtor® partner.
“Ru was phenomenal in helping us find a loan with the terms and conditions that we needed, and a better rate than anyone else in town”
Ru was phenomenal in helping us find a loan with the terms and conditions that we needed, and a better rate than anyone else in town, even the big nation wide lenders.
He was a great communicator who was happy to work with us over e-mail, phone, and text. I greatly appreciated his flexibility and willingness to answer questions outside of normal "banker hours" as we navigated the mortgage process.
Response from Owner
Thank you so much for taking the time to share this! It was truly a pleasure working with you throughout the mortgage process. There is a lot that happens behind the scenes, so I really appreciate you recognizing the time, effort, and communication that goes into getting everything to the finish line. Thank you for working with me again and trusting me with your financing needs!
I’m thrilled to hear you’d recommend me to other first-time homebuyers and anyone needing mortgage guidance — that means a lot. If you or anyone you know ever has questions down the road, I’m always here to help. Enjoy your home and settling back in here to VA! 🏡
“Ru and the team are the best. My second time working with Ru and after closing on houses in Virginia from both Spain and Hawaii, it couldn't be easier.”
I can't give 6 stars apparently but Ru and the team are the best. My second time working with Ru and after closing on houses in Virginia from both Spain and Hawaii, it couldn't be easier. I can't wait to work with Ru and the team again!
Response from Owner
Thank you so much for this incredible review and for coming back to work with me a second time. It truly means a lot, especially from a fellow Naval Academy classmate, and Shipmate!
Helping you and your family purchase homes in Virginia all the way from Spain and now Hawaii has been an honor, and I’m really glad to hear the process felt easy and smooth on your end. That’s exactly what my team and I aim for, particularly with long-distance moves and big transitions.
Thank you again for your trust, your service, and your continued support. I’m excited for your move to Virginia and look forward to catching up with you and your family, and see you at the Reunioin. Enjoy the new home! Go Navy, Beat Army!
“Ru and his team were a pleasure to work with... Always super responsive, informed, and friendly. They moved fast for us to close in 21 days. We would highly recommend!”
Ru and his team were a pleasure to work with during the home buying process. Always super responsive, informed/subject matter experts, and friendly. From the first conversation on what our goals and timelines were, through the ups and downs of the DC housing market/hunt, to the final stretch where they moved fast for us to close in 21 days. We would absolutely use them again end highly recommend!
Response from Owner
Thank you both so much for the kind words and for trusting my team and me during your move back from Germany to Virginia. It was truly a pleasure working with you throughout the home buying process, and I’m so glad we could help make such an important transition a smooth one.
I really appreciate you highlighting our responsiveness, communication, and expertise. From our first conversation about your goals and timeline, all the way through the ups and downs of the DC-area market, my goal was to make sure you always felt informed, supported, and confident in the process.
I’m especially glad we were able to move quickly and help get you to the closing table in just 21 days. Thank you again for your trust, your recommendation, and the opportunity to be part of your home purchase. I’d absolutely be honored to work with you again anytime or anyone you know looking for a trusted lender to help them get into their next home!
“Ru was very helpful in the process of buying my first house with the VA loan! He provided me with different quotes and options so I could make an informed decision.”
Ru was very helpful in the process of buying my first house with the VA loan! I was unsure of how it worked, so walked me through each step and was always available to answer any questions I had. He provided me with different quotes and options so I could make an informed decision. I would highly recommend him to anyone in the home-buying process!
Response from Owner
Thank you so much for your thoughtful review, and thank you for your service. It was truly an honor to help you use your VA benefits for the purchase of your first home.
I’m so glad I could help make the process clearer and walk you through each step in a way that felt manageable and informed. Buying your first home can come with a lot of questions, especially when using a VA loan for the first time, so it means a lot to hear that you felt supported throughout.
I’m also happy that reviewing different quotes and options helped you feel confident in your decision. My goal is always to make sure my clients understand their choices and feel comfortable every step of the way.
Thank you again for your recommendation and for trusting me to be part of such an important milestone. I’m grateful for the opportunity to help, and I wish you all the best in your new home.
“Great experience with Ru on our VA home loan. We had a complicated overseas closing and Ru and the team stayed responsive and professional. I would definitely recommend him.”
Great experience with Ru on our VA home loan. We had a complicated overseas closing and Ru and the team stayed responsive and professional throughout. He was very helpful getting the loan ready and cleared to close. I Would definitely recommend him to anyone looking to get a home loan.
Response from Owner
Thank you so much for your kind words and for trusting me with your VA home loan. It was truly a pleasure working with you, especially given the added complexity of coordinating an overseas closing. I’m glad I was able to help keep things moving and provide the responsiveness and professionalism you deserved throughout the process.
I’m also very happy to hear that my team and I were able to get everything prepared and cleared to close smoothly. That’s always the goal, and it means a lot to know you felt supported every step of the way.
Thank you again for the recommendation. I’m grateful for the opportunity to have been part of your homebuying journey, and I wish you all the best in your new home.
“Ru was outstanding... responsive, solution-focused, and incredibly helpful. I would absolutely recommend him to anyone looking for a knowledgeable and dependable professional.”
Ru was outstanding throughout my entire mortgage process. He was responsive, solution-focused, and incredibly helpful during some very stressful moments leading up to closing. He took the time to explain things clearly, kept me informed, and worked hard to help me navigate a complicated situation with professionalism and patience.
What stood out most was his persistence and communication. I never felt ignored, and he consistently followed through when timelines were tight. Buying a home while balancing major life and work responsibilities is not easy, and having a lender who remains supportive and dependable makes a huge difference.
I truly appreciate everything Ru did to help get me to the finish line and would absolutely recommend him to anyone looking for a knowledgeable and dependable mortgage professional.
Response from Owner
I am absolutely thrilled to hear about your positive experience! Thank you for recognizing and mentioning my persistence, communication, and professionalism throughout your mortgage process. That is my goal each and every time I work with my Clients, to ensure they are taken care of every step of the way. It was a pleasure working with you Jasmin, and helping navigate any and all obstacles along the way as smoothly as possible. I'm here to remove and reduce the stresses of moving as I know the stresses of moving coming from my active duty Navy life I moved 8 times in 10 years!
I am always here to support you, so just because you closed on your home doesn't mean I go away either! You aren't getting rid of me that easily :)
Please never hesitate to reach out if you have any other needs to support your move and settling in. I have a great network of local professionals ready to help. I will also be in touch as time goes to help you strategize when and if the time is ever right to refinance and lower your monthly.
If you know any friends, family and colleagues that may need my help I would love an introduction!
“He is super fast, communicative, and makes the entire lending process smooth from start to finish. If you want someone that will follow through, then Ru is your man!”
I met Ru a year or so ago and he has never once left me hanging. He is super fast, communicative, and makes the entire lending process smooth from start to finish. If you want someone that will follow through and make sure the job is done right, then Ru is your man!
Response from Owner
Thank you so much Austin for your review! It has been a pleasure connecting with you the last year or so! Always here to support and enjoy connecting and networking with you! I like you are all about ensuring the best experience from start to finish for our customers. I appreciate and love that you and your company come from a strong veteran background and support the military community!
“Wonderful experience dealing with Ru and his team. Nice to be dealing with a Navy vet and fellow Academy grad. The team was professional, very responsive and a joy to deal with.”
Wonderful experience dealing with Ru and his team. Nice to be dealing with a Navy vet and fellow Academy grad. The team was professional, very responsive and a joy to deal with. Well done.
Response from Owner
Thank you so much for this review and so proud to help a fellow Navy Grad purchase a home! Appreciate the feedback and glad to hear my Team and I provided the top tier service as always! If there’s anything I can do to further support you or anyone you know, never hesitate to reach out!
Go Navy!
“He was so thorough and helpful to my clients who were buying their first home. Ru is a great communicator and he helped facilitate a smooth transaction in so many ways.”
I can't say enough to emphasize how great Ru Toyama was to work with. He was so thorough and helpful to my clients who were buying their first home. Ru is a great communicator and he helped facilitate a smooth transaction in so many ways. I would highly recommend his services.
Response from Owner
Thank you so much Joe! I appreciate this review and your support throughout the transaction! I love to work with First time homebuyers and what even made it more sweet is that they are active duty Navy!🇺🇸 Go Navy! Communication is key throughout the homebuying process but even more so when working first timers! I look forward to working with you again in the near future!
“Ru was very helpful in guiding me through the process on a tight timeline. He was very helpful in getting me to understand the VA loan. Big thanks for helping us win on our first offer!”
Ru was very helpful in guiding me through the process. We were on a tight timeline in an aggressive market and he quickly grasped our priorities and made sure we understood what needed to happen throughout the process. In particular, he was very helpful in getting me to understand the pros and cons of the VA loan. Big thanks to this man for helping us win on our first offer!
Response from Owner
It was an absolute pleasure working with you and Lilli! So proud to help another fellow Navy officer utilize your well-deserved and earned VA benefits! I’m so glad we met and exceeded expectations and provided the white glove service! I’m always here to support you and anyone you know that can use my support! Congratulations on your first home just in time for the summer!
“His communication was exceptional. He was always proactive, clear, and dependable, which made the entire process smooth. I would gladly recommend Ru to anyone.”
Working with Ru (as a buyer's real estate agent) on our recent transaction, with his Rate mortgage clients, was an absolute pleasure. His communication was exceptional from start to finish. He was always proactive, clear, and dependable, which made the entire process smooth and as stress-free as possible. Thanks to his diligence and coordination, we were able to close quickly and efficiently. Most importantly, our clients are absolutely thrilled with their beautiful second home on Lake Anna. I would gladly recommend Ru to anyone looking for a lender who truly cares and delivers outstanding results.
Response from Owner
Thank you so much Dena! It was an absolute pleasure working with you as well. I appreciate your communication and staying on top of the transaction timelines throughout the file. I'm so happy and proud to hear that I was able to make for such a smooth transaction. I look forward to working with you again soon!
“Ru was great and provided all the necessary and detailed advice.... The closing process was completed ahead of the closing date and there were no worries that there would be any hiccups.”
We used Ru for getting our mortgage when purchasing a home. Right off the bat, Ru was great and provided all the necessary and detailed advice and information for the loan application. It was very easy to upload information for the application process to their online portal. The portal was very easy to use, the requested tasks were clear and concise, and the process moved along at a steady pace. Ru was also very good at keeping us informed on the changing market conditions for the loan and worked to get us the best rate possible. The closing process was completed ahead of the closing date and there were no worries that there would be any hiccups at closing. Overall, I highly recommend Ru for all your mortgage and loan needs. He is a consummate professional, easy to work with, has the right information the first time and was always available for any questions or advice.
Response from Owner
Thank you so much Avtar!! Working with you and your lovely wife Ramanjeet was an absolute pleasure throughout. I truly appreciate working with professionals like you that are very organized, respond promptly and are flexible with every request and tasker asked of you to make for a smooth process.
I am so proud of my team and I providing the top tier service you and every Client of mine deserve! I am always here to support you and anyone you know anytime!! Thank you so much for trusting me with this Amazing investment property and I’m here to help anytime you should need mortgage support!!
“His professionalism, clear communication, and attention to detail made the financing process smooth and stress-free. I truly appreciate his dedication and highly recommend [him].”
Ru Toyama was exceptional throughout the entire transaction. His professionalism, clear communication, and attention to detail made the financing process smooth and stress-free for everyone involved. I truly appreciate his dedication and look forward to working together again.O highly recommend Ru Toyama.
Response from Owner
Thank you so much Daniela! I appreciate your trust in me with working with one of your long term dear friends and customers. You were so wonderful to work with, your communication, negotiation and execution of the transaction every step of the way was flawless. I look forward to the next opportunity to work together. Grateful for your time to write this review!
“He takes care of clients & prepares them for all of the nuances that come in a transaction. He will help create an unforgettable experience for your Buyers!”
Agents who need a strategic Loan Officer partner in Arlington, Virginia, look no further than Ru Toyama. He takes care of clients & prepares them for all of the nuances that come in a transaction. He will help create an unforgettable experience for your Buyers!
Response from Owner
Thank you so much Tim for these kind words and wonderful Review! I pride myself in serving each and every Client with the top tier customer service. Knowing that this is my clients biggest financial transaction likely of their lives it warrants the utmost attention and support through each and every step in the process. My goal is to ensure that they understand every part of the process and that they are comfortable with the numbers to fit THEIR unique budget because every person/couple are different! Anytime I can support your network moving to the DC area, never hesitate to reach out to me!
“Ru was thorough and exceptional at explaining the process in a way that made my clients feel confident and comfortable as first time buyers. We closed smoothly and on time.”
Ru was thorough and exceptional at explaining the process in a way that made my clients feel confident and comfortable as first time buyers. Communication was seamless, and we closed smoothly and on time thanks to all his efforts. I hope to work with him the in future again!
Response from Owner
Thank you so much and Likewise it was amazing working with you too Kelsey! You were amazing through the process and truly led the way the entire time. It's always great to work with another top professional. I appreciate working with you and definitely here anytime to help you and your clients in the future. Let's do another deal together! Any other agents in your office as well that can use my support, I'd love an introduction!
“His expertise makes him such a valuable asset, while his easy going personality makes you feel like you’re with a long lost friend! We are grateful for how seamless he made each step”
What an incredibly amazing experience to work with Ru! His expertise makes him such a valuable asset, while his easy going personality makes you feel like you’re with a long lost friend! We are grateful for how seamless he made each step and carefully took the time to explain everything!!
Response from Owner
It was an absolute pleasure working with you Karen and Josh. So awesome to have stayed in touch enough and known each other now 20+ years!! I truly appreciate you taking your time to leave this wonderful review and so glad you enjoyed your experience working with my team and I. If there anything I can do to support you or anyone you know anytime please never hesitate to reach out! Enjoy your home and congratulations!
“Ru is awesome. Very honest, personable and helpful. He found me the best loan rates, answered all my questions, kept me informed and got me through a last minute hurdle.”
Ru is awesome. Very honest, personable and helpful. He was recommended to me by a friend and I’d say he was one of the best recommendations I’ve had.
He found me the best loan rates, answered all my questions, kept me informed through the loan process and got me through a last minute hurdle when my wife couldn’t make it to the closing.
I highly recommend him and he’s my “loan guy” in the future.
Response from Ru Toyama at Rate NMLS 1528382
Thank you so much Kevin! It was an absolute pleasure working with you and Louise. So happy that our friend connected us and I appreciate you taking the time to leave this review.
Here to support you anytime. Looking forward to catching up around Annapolis soon! Enjoy your move and settle in!🙏🏽
“I wish I could give Ru more than 5 stars! He was absolutely wonderful from the very first time we spoke.”
I wish I could give Ru more than 5 stars! He was absolutely wonderful from the very first time we spoke. He’s not only exceptionally knowledgeable, but always happily took the time to explain things and make sure I fully understood what was going on at every step of the process. He was truly so patient with my many (many) questions, which I personally really appreciated as this was my first experience with the home buying process. He made the whole thing so approachable and manageable, and really advocated for what I’d shared I wanted and needed. I could not be happier with how everything unfolded, and would work with him and his team again in a heartbeat!
SSusan G.
“Always great to work with Ru. He's very responsive, extremely knowledgeable, breaks things down and lays out the options. I keep calling Ru because I trust him.”
Always great to work with Ru. He has helped me with two purchases, a sale, and now a refi, all within the past four years! He's very responsive, extremely knowledgeable, breaks things down and lays out the options. I keep calling Ru for my lending needs because I trust him. He's delivered every time, and I know he will the next time too.
Response from Ru Toyama at Rate NMLS 1528382
An absolute pleasure working with you and your Wife each and every time! I appreciate your service, business and trusting me with these big life transactions. I’m always here to support you and anyone you know that you feel can use my help! Enjoy the monthly savings and until next time, have a wonderful holidays and new years!
“Ru combined expertise, personalized service, transparency, and effective communication to make the process as positive and painless as possible.”
Ru combined expertise, personalized service, transparency, and effective communication to make the process as positive and painless as possible. He demonstrated a deep knowledge of the mortgage industry, including various loan products, interest rates, and eligibility requirements. He was able to explain complex terms and procedures clearly to us. Additionally, he took the time to understand our financial situation, goals, and preferences. This allowed him to recommend mortgage options that best met our needs. All in all, we couldn't have asked for better.
JJay M.
“From start to finish, Ru was fantastic to work with. One would be hard-pressed to find a person more committed to customer service than Ru.”
From start to finish, Ru was fantastic to work with. One would be hard-pressed to find a person more committed to customer service than Ru. From the time we first spoke in February 2020 until we closed on our home in July 2020, Ru was with me every step of the way to keep me updated on the latest interest rates, provide cost summary sheets, and answer a number of my questions. He was always a top notch professional, extremely responsive, and went out of his way provide superior service!
JJoel C.
“Ru was knowledgeable, kind and a great listener. Our realtor praised Ru, too. We chose to work with Ru and we are thrilled we did.”
My husband and I were initially working with a different mortgage company and I used the Nextdoor social media platform to ask a few questions of my neighbors regarding VA loans. I first met Ru Toyama because he engaged with the query, and offered through private message to answer any questions my husband, a 20-year Army veteran, and I might have. Ru was knowledgeable, kind and a great listener. Our realtor praised Ru, too. We chose to work with Ru and we are thrilled we did.
SSally G.
“I really appreciated his enthusiasm and attention to detail. I would 100 percent recommend him and work with him again.”
Ru was very helpful at answering all my questions and was super responsive and patient when we were not super responsive. I felt he had our best interests in mind and he did all the work. I really appreciated his enthusiasm and attention to detail. I would 100 percent recommend him and work with him again.
KKolleen B.
“He was incredibly knowledgeable of the market in NOVA, responsive to all of our questions and concerns, and essentially held our hand until we closed.”
We originally were working with one of the big name credit unions who was supposed to be great at handling VA loans and were astounded at the lack of customer service and days waiting for responses to our questions. We reached out to Ru at the suggestion of our realtor and never looked back. He was incredibly knowledgeable of the market in NOVA, responsive to all of our questions and concerns, and essentially held our hand until we closed. We cannot recommend him enough to other home buyers!
KKelly S.
“Ru is the epitome of a dedicated lender! He represented buyer clients for my listing and was able to process a VA loan in record time”
Ru is the epitome of a dedicated lender! He represented buyer clients for my listing and was able to process a VA loan in record time AND showed up to the settlement! Because of his hands on approach, speed and efficiency he's definitely getting my business in the future. If you need help navigating this ever-changing market, Ru is your go-to guy, trust me!
RRafael M.
“Ru went above and beyond at every opportunity. He provided valuable insight and gave great detail on all aspects of the home buying process.”
Ru went above and beyond at every opportunity. He provided valuable insight and gave great detail on all aspects of the home buying process. In particular, his in depth knowledge of working on a VA loan allowed us to successfully apply and close on our home. Phenomenal loan officer.
AArthur C.
“Ru was able to close on our home in 16 days with a VA home loan! Can’t thank him and his team enough for making this process as smooth as possible.”
Ru went above and beyond to help my wife and I throughout the loan process. Ru made himself available at any time of the day to answer any questions we may have had. I would highly recommend him to anyone seeking a very knowledgeable professional who is passionate about what they do. Ru was able to close on our home in 16 days with a VA home loan! Can’t thank him and his team enough for making this process as smooth as possible.
MMichael B.
“Ru was great during the entire closing process. He communicated early and often, even during the holiday season to ensure we were taken care of.”
Ru was great during the entire closing process. He communicated early and often, even during the holiday season to ensure we were taken care of. The process of purchasing the right home is not an easy one by any means, especially with the current market. Ru and his team were able to assist us with great service to help expedite the purchase of our new home.
DDerek M.
“If you need a home loan, don't look any further.”
Hey, real talk... buying a house is a pain in the ass. But working with Ru he kept it straight forward, laid out the steps one by one, and kept things light throughout while still making you feel like you were working with a true expert in his field. Nobody is putting applying for a mortgage on their all time top ten memories, but Ru and the team at Monument Home Loans are as good as it gets. If you need a home loan, don't look any further.
CCalvin W.
“Ru was amazing! We were first time home buyers in a extreamly volitile housing market. Ru was a invaluable part of our team.”
Ru was amazing! We were first time home buyers in a extreamly volitile housing market. Ru was a invaluable part of our team. We would not have gotten our dream home if it wasn't for his tireless efforts and late nights dealing with a three hour time difference between us. His quick and knowledgable comunication day or night made it effortless to place offers when time was of the essence. His humor and realistic advise made a very stressful situation smooth and steady and we are thankful.
SSurfndad74
“Ru was amazing! We were first time home buyers in a extreamly volitile housing market. Ru was a invaluable part of our team.”
Ru was amazing! We were first time home buyers in a extreamly volitile housing market. Ru was a invaluable part of our team. We would not have gotten our dream home if it wasn't for his tireless efforts and late nights dealing with a three hour time difference between us. His quick and knowledgable comunication day or night made it effortless to place offers when time was of the essence. His humor and realistic advise made a very stressful situation smooth and steady and we are thankful.
CChristopher P.
“He was incredibly knowledgeable of the market in NOVA, responsive to all of our questions and concerns, and essentially held our hand until we closed.”
We originally were working with one of the big name credit unions who was supposed to be great at handling VA loans and were astounded at the lack of customer service and days waiting for responses to our questions. We reached out to Ru at the suggestion of our realtor and never looked back. He was incredibly knowledgeable of the market in NOVA, responsive to all of our questions and concerns, and essentially held our hand until we closed. We cannot recommend him enough to other home buyers!
KKmsobilo
“Ru thoroughly explained the home buying process to me in a way that was understandable and relatable.”
Ru thoroughly explained the home buying process to me in a way that was understandable and relatable. He was very responsive in communicating back and forth, had quick turn around in getting things approved, and genuinely happy the entire time I worked with him!
AAbigail C.
“Ru is a master of the loan process and a terrific communicator. He made sense of the byzantine process of home buying, helping us to navigate every step.”
Ru is a master of the loan process and a terrific communicator. He made sense of the byzantine process of home buying, helping us to navigate every step. When snags arose, Ru calmly and competently resolved the issues, and the process never skipped a beat. To cap the experience, Ru came to our closing (apparently unusual for someone in his position) and saw us across the finish line. We recommend Ru with great enthusiasm!
GGary G.
“Ru, is an absolute professional and I thoroughly enjoyed working together on our mutual buyer’s transaction.”
Ru, is an absolute professional and I thoroughly enjoyed working together on our mutual buyer’s transaction. His communication, attention to detail, and selfless demeaner for the favor of our buyer was incredible. He or a member from his team was always available for the buyers, title and me and ensuring a very smooth transaction.
As a Real Estate Professional within the industry can understand that solid teamwork by all parties is how you get it done for your clients. Thank you Ru & Team!
KKwame B.
“Buying a house or going through the mortgage process can be a tough one but Ru makes sure you understand everything and is along for every step of the ride.”
Ru is awesome! I've personally worked with Ru for a purchase and a separate re-finance in the past. Buying a house or going through the mortgage process can be a tough one but Ru makes sure you understand everything and is along for every step of the ride. Whether it was a text, quick phone call, long email or important documents that needed attention, my wife and I were very comfortable with Ru the whole time!
Response from Owner
Thank you so much Dave! I’m so humbled and proud of your kind words and so happy to hear you were so comfortable with my service. It’s my goal to provide the thorough support for each and every one of my customers through every step of the process.My goal is to build relationships and not just get a transaction done. If I can help you or anyone you know anytime I’d love the opportunity!
“Simplifies mortgages with clear, no-nonsense explanations. He’s approachable, an expert on VA loans, and is quick to respond. Everything felt straightforward and was easy to follow.”
Ru Toyama simplifies mortgages with clear, no-nonsense explanations. He’s approachable, an expert on VA loans, and is quick to respond. Everything felt straightforward and was easy to follow. Highly recommended.
Response from Owner
Truly appreciate your Review Chris! This is my goal in every transaction to help every customer! Thank you for taking the time to write your review and if there’s anything else I can do for you or anyone you know, I’d love to help!
“Ru is responsive, knowledgeable, & trustworthy. Ru always lays out all of the options for our clients to decide what works best for them. I highly recommend [Ru]...”
I am a Home Improvement contractor and refer Ru to all of my clients as an option to unlock their home equity to finance the other projects that they are looking to do. Ru is responsive, knowledgeable, & trustworthy. Ru always lays out all of the options for our clients to decide what works best for them. It doesn't matter the day or time of day I always find Ru to be available. I highly recommend for Ru for any home loan needs that anyone needs. Ru is the best!!!
Response from Owner
Thank you so much Randy! I truly appreciate our partnership and any opportunity to support you and your
business by helping your clients achieve their home improvement project needs. I’m always here to support so never hesitate to reach out to me!
“From his deep knowledge of the mortgage game, being extremely patient, and keeping a positive can do attitude- he makes things happen! If you need a Mortgage, have a conversation with Ru.”
I have referred Ru and his team to many of my clients and they were all really happy with everything. From his deep knowledge of the mortgage game, being extremely patient throughout the entire process, and keeping a positive can do attitude- he makes things happen! If you need a Mortgage or Home Equity line of credit, have a conversation with Ru and his team.
Response from Owner
Thank you so much Patrick! Truly appreciate your referrals and support! It’s great to have another fellow professional like you in my business Rolodex to refer my clients to as well. Anytime I can help never hesitate to reach out.
“Because of his hands on approach, speed and efficiency he's definitely getting my business in the future. If you need help navigating this market, [he] is your go-to guy!”
Ru is the epitome of a dedicated lender! He represented buyer clients for my listing and was able to process a VA loan in record time AND showed up to the settlement! Because of his hands on approach, speed and efficiency he's definitely getting my business in the future. If you need help navigating this ever-changing market, Ru is your go-to guy, trust me!
Response from Ru Toyama at Rate NMLS 1528382
Thank you so much for the outstanding review, Rafael! I'm thrilled to hear that you appreciated my dedication and efficiency while processing your VA loan. I always aim to provide a streamlined experience for all my clients, and it's great to know that this was evident during our time working together. I'm looking forward to assisting you with any future needs in this ever-changing market. Trust, speed, and efficiency will always be at the forefront of my service. Call me any time I can support!
“He listens, is responsive, and always has a smile. He is detail oriented and yet walks you through the loan process like a friend. Your loan won't be a part of that stress.”
Let me tell you about Ru. He listens, is responsive (quickly at that), and always has a smile. He is detail oriented and yet walks you through the loan process like a friend. It is stressful to buy a house, but your loan won't be a part of that stress when Ru is your loan officer.
Response from Ru Toyama at Rate NMLS 1528382
Thank you so much Vicki! Such a pleasure to have met you, connecting, and working with you! Anything I can do for you in the future or anyone you know going forward, I’m always available!
“Ru is the most reliable and trustworthy loan officer I have ever had the opportunity to work with, he will put you in the right loan with great rates and close on time everytime.”
Ru is the most reliable and trustworthy loan officer I have ever had the opportunity to work with, he will put you in the right loan with great rates and close on time everytime.
Response from Ru Toyama at Rate NMLS 1528382
Thank you so much Perry!! An pleasure to work with you and appreciate your referrals and allowing me to help you and your Customers remodel their homes to make it their own! Cheers and here's to many more collaborations going forward!
