Ruth Michalski

Jun 30, 2026

Ruth was absolutely amazing to deal with she went well above and beyond anything I could have hope for and made this happen for my family

Working with Ruth at Rate Mortgage was an outstanding experience from start to finish. She was honest, transparent, and straightforward throughout the entire process. From our very first conversation, she clearly explained what to expect, and everything happened exactly as she said it would. We had spoken with other lenders who tried to lure us in with numbers that ultimately turned out to be misleading. Ruth was different. She never played games or made promises she couldn’t keep. She provided realistic numbers from the beginning and was always available to answer our questions with patience and professionalism. Buying a home can be stressful, but Ruth made the financing process smooth and gave us confidence every step of the way. If you’re looking for a lender who values honesty, integrity, and clear communication, I would highly recommend working with Ruth and the team at Rate Mortgage.

Jun 22, 2026

Ruth Michalski was a blessing from God. The team was great to work with and very helpful throughout the process. We are so grateful for everything.

Everything was excellent and easy

Fast easy and the agents were great. Fast closing.

They were well organized, communicated well, and gave me a favorable rate.

The whole process was smooth and Ruth was always able to help.

Jun 14, 2026

Ruth is fantastic to work with! She is thorough, precise and pleasant. This is our second time working with Rate and Ruth, and we have been very impressed!

Very smooth process despite my living out of state. Ruth and her team kept us informed and things moved along quickly. Can’t wait to move in. Thank you for your professionalism

Jun 5, 2026

Ruth and her associate Mandi were fantastic throughout the whole process. They made everything very easy and simple to understand. Highly recommend!

May 28, 2026

Absolutely phenomenal service!

May 27, 2026

Process went very smoothly, she was always there for any questions. Got us our first place and many more to come with her amazing help! Thank you for changing the lives of a whole family!

Apr 28, 2026

We refinanced our home. Ruth made the experience painless. I highly recommend Ruth & Guaranteed Rate!

Apr 24, 2026

Ruth was very helpful and made the overwhelming process very easy. I would highly recommend Ruth and guaranteed rate to anyone.

Ruth and mandi were absolutely fantastic to work with. Very attentive, always available and well trained great people. They were able to close my loan in 12 days from start to finish. Would highly recommend to anyone buying a home. First class people

Apr 13, 2026

Ruth and her team are the best people in the business!!! They made the whole experience so smooth and easy.

Ruth was working with us for a while!

Timely feedback, true to their word-when I was told numbers, they stayed consistent

Because they are a great team that gets the job done

Very easy to work with and helpful with everything that needed to get done!

Everything went smooth, straightforward, and easy. Was easy to communicate with and answered all questions and concerns. Only other feedback is the amount of spam calls received that came about during this process. All in all, would use this team again and would recommend to a friend!

Dec 25, 2025

Thank you Ruth and the Team for securing the loan for our home your effort and determination allowed us to be in our new home ♥️

Dec 20, 2025

Great service!!

Dec 17, 2025

Ruth and her team at Rate were wonderful to work with. They gave me answers that were clear and accurate. They were easy to contact and always responded in a timely fashion. Buying a house is very overwhelming and they guided me through the mortgage process with ease. Thank you.

Nov 24, 2025

HIGHLY RECOMMEND - Ruth Michalski is the best! We had been going through the process for 5 months with another lender that was playing games. We made the switch over to Ruth and she had us closed within the month. She and her team held our hands throughout the process and today we are proud home owners. We highly recommend her for lending needs weather it be buying or refinancing. We could not be more happy with this team!

HIGHLY RECOMMEND - Ruth Michalski is the best! We had been going through the process for 5 months with another lender that was playing games. We made the switch over to Ruth and she had us closed within the month. She and her team held our hands throughout the process and today we are proud home owners. We highly recommend her for lending needs weather it be buying or refinancing. We could not be more happy with this team!

Nov 22, 2025

No written review

Nov 14, 2025

Working with Ruth was great, she made the process easy and communicated well with emails. Would definitely work with her again and recommend her to anyone!

Nov 10, 2025

Ruth was great. Informative and efficient. As well as her team at RATE mtg. Definitely recommend.

Nov 5, 2025

Great experience working with Ruth and Mandi. Process was quite easy and I was kept well informed.

Ruth and her team went over and beyond

Very prompt and make everything easy and understandable in a confusing financial charade.

Very quick with responding and communicating. They were great and very helpful throughout my whole process.

Oct 13, 2025

Ruth was awesome! Didn’t matter what time of the day it was she always made herself available to answer any questions that we had from the start of the process all the way to the end. Highly recommend!!!

Oct 6, 2025

Thank you Ruth and Claritza for everything you guys did with my family, Now my family has a roof over their head 🙏🏻

Sep 19, 2025

Amazing customer service and was always kind to me! She was amazing at getting back to me very quickly. She is skilled with the ability to make the process quick and smooth without missing a detail. I will definitely recommend and ask for service when needed in the future! Thank you Ruth!

Sep 10, 2025

Ruth and her team was absolutely amazing. She was available even available on weekends to answer. Any question I had Ruth went over the top just to make sure that I close on the date that we said we were gonna close and also I told her it was gonna be my birthday and she made it happen. I would recommend them to anyone. Because of Ruth and her team I was able to into my lovely home Thank you!!!

Sep 5, 2025

No written review

Jul 25, 2025

Ruth was amazing, always available for a phone call and got answers to my questions very fast, great experience

Ruth Michalski was the person who handled my loan. She's a professional with an incredible ability to resolve any issues that arise along the way. Thank you, Ruth M.

Ruth Michalski. Ruth’s expertise and quick and constant communication was so helpful and made the whole experience so much less stressful.

Ruth was easy to work with. Attentive to our needs

Jun 28, 2025

I purchased my first home through Ruth and her team, and was extremely impressed with everything they provided. Answers for all my questions, connections to reliable resources, and incredible availability. Ruth was personally available to take my calls and help with any questions I had even at odd hours. Would absolutely recommend, thank you again for all your help!

Ruth, Your profound knowledge saw us through this purchase from beginning to end! To say that you are efficient at what you do would be a gross understatement! Your around-the-clock dedication, is nothing short of miraculous! Your tenacious personality is the embodiment of what can only be describe as, the meaning of endeavoring to persevere! We cannot thank you enough!. Highly recommended!

May 25, 2025

Yooo great care of me, and made the whole process very easy

May 22, 2025

Ruth was very nice to work with she would walk you through the process with you. all I had to do was sign.

Ruth and team, This process was truly amazing. Working with your team was a pleasure. My phone calls and texts were returned promptly and professionally. Thank you, Carol Peters

Mandi Korch and Ruth Michalski dedicated their time and patience to ensuring I had a smooth and transparent mortgage application and home purchase experience!

May 8, 2025

Ruth made refinancing my home so easy. I was dreading the process but it went smoothly and it was all because of her and Mandi!

Apr 11, 2025

Ruth was great! Very informative and helpful! We were able to close extremely fast!