Ru Toyama

Response from Owner

Thank you so much for your thoughtful review and kind words. It was truly a pleasure working with both of you and helping guide you through the reverse mortgage process. I’m glad to hear you felt supported and well-informed every step of the way — that’s exactly the experience Micah and I strive to provide. We know these decisions are important, and it means a lot that you trusted us to walk alongside you and move everything along efficiently. Thank you again for your confidence and for allowing us to be part of this chapter. If any questions come up down the road, we’re always here for you.

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.

Response from Owner

Thank you so much for this wonderful review and for allowing me to be part of your homebuying journey. I’m really glad to hear the process felt easy and efficient for you — that’s always my goal. I truly appreciate your kind words about the extra care and attention Gregg. It was a pleasure working with you, and I’m grateful for the trust you placed in me and my team. Congratulations again on your new home, and please don’t hesitate to reach out if you or anyone you know ever need anything in the future.

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! 🏡

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. I’m thrilled to hear you’d recommend me to other first-time homebuyers and anyone needing mortgage guidance — that means a lot Winston. If you or anyone you know ever has questions down the road, I’m always here to help. Enjoy your new home! 🏡

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!

Response from Owner

Thank you so much for your thoughtful review and kind recommendation. It was truly a pleasure working with you on the purchase of your new condo, and I’m grateful for the opportunity to help with such an exciting milestone. I especially appreciate your generous words and support. It means a great deal coming from a fellow Rotarian, and I’m thankful for the trust you placed in me throughout the process. My goal is always to go above and beyond to make sure my clients feel well taken care of every step of the way. Congratulations again on your new condo, and thank you for allowing me to be part of the journey. Wishing you all the best as you settle into your new home.

Response from Owner

Thank you so much for your kind words and for trusting me to help with your home purchase in Stanardsville. It was truly a pleasure working with you, and I’m grateful for the opportunity to be part of such an important milestone for you and Lance! I’m glad to hear that my communication, responsiveness, and follow-through made the process a positive one for you. My goal is always to deliver on what I promise and make sure my clients feel informed and supported every step of the way. Thank you again for your trust and support. I truly appreciate your review and hope you enjoy your new home for many years to come. Please never hesitate if you should need any support mortgages or other services, I have a wonderful network of other professionals as well to support!

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.

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!

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.

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.

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!

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.

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.

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.

Response from Owner

Thank you so much Lindsay! It was a pleasure working with you and John throughout the process! Thanks for being on top of everything and submitted your documents and answers right away! Makes for a super smooth process when all work together. If there’s anything I can do for you, John and your Pups 🐶please let me know!

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!

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!

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!

Response from Owner

Thankyou Robbie! I truly appreciate you taking the time to write this review. It's my goal everytime to provide top tier service each and everytime! I appreciate the support and if there is anything I can do to support you or anyone you know, I’d love to support!

Response from Owner

Thank you so much Gabriel! I appreciate you taking the time to write this review! If there is anything I can do to support you and your friends, family and networks never hesitate to reach out! I appreciate having you and your teams support as well for my clients!!

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!

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!

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!

Response from Owner

Thank you Chris and it's always a pleasure working together and having such a top tier professionals to work with through the transaction. Thank you for always being available as well and taking calls to ensure everyone is on the same page and to ensure a smooth closing. Looking forward to working together on the next transaction!

Response from Owner

Thank you so much Kerry! It is always a pleasure working with like-minded professionals throughout a transaction. It’s always about the teamwork and collaboration during a transaction to ensure the best outcomes for all parties! I’m so proud of my team providing the top tier service as we strive for each and every transaction! I look forward and would be honored to work with you again in the future! Never hesitate to reach out to me for support!

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!!

Response from Owner

Thank you so much Adrianna! Likewise it was a pleasure working with you as well throughout the transaction! Your communication and teamwork was outstanding and it was such a smooth transaction. I am looking forward to working together again! Please never hesitate to reach out for support!

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!

Response from Owner

Thank you so much Josh and Karen! I’m so glad and proud to hear that you enjoyed your first time home buying experience with me and my amazing team. Congratulations to you both and your family! I’m always here to support you or anyone you know in the future should you or they need my help!

Response from Owner

Thank you so much Joanne! It’s always a pleasure working together and I thank you so much for trusting me with your buyers! I can’t be more happy than when I know a referral from you and getting to work with you is a joy! I look forward to working on the next transaction together.

Response from Owner

Thank you so much Kate! It was a pleasure working with you on the VA loan for a former 2 Star Admiral! I was fortunate to service in the same community and crossed paths timing wise! I always strive to keep the communication lines open throughout every transaction to ensure all parties are on the same page. I look forward to the next opportunity to work together and crush another transaction together!

Response from Owner

Thank you very much Maureen! It is always a pleasure to work together and looking forward to closing more deals together! I always strive to provide the best service, competitive rates and product options to all my clients. I appreciate you and your teams support during every transaction! We go way back and can’t believe we’re coming up on a decade of working together over the years! I’m looking forward to the next one!

Response from Owner

It was an absolute pleasure working with you and Nate! Thank you so much for your kind review and I'm so happy that you were so happy with my team and I's service! I'm always here to help you and anyone you know, so please never hesitate to reach out to me. Best wishes and congrats on your first home!

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!

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!

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!

Response from Owner

Thank you so much for your review Nicole! It's been a pleasure working with you and your amazing team at Spring EQ! So smooth and my clients are so happy and excited to get this Equity Line done! They have been working on their credit for the last 1.5 years and are now set to pay off their high interest CC debts to help put them in a better position financially! This is what it's all about. The teamwork was seamless and look forward to the next transaction we work on together.