Kristy Ruhkala

Kristy Ruhkala has been helping clients obtain mortgage loans since 2002 and has created her business exclusively by referrals and repeat business. By educating clients through the process, setting expectations, giving regular updates and continued communication, she has brought clients a better understanding of the loan process and helps customers achieve positive results. From first time home-buyers, move-up buyers, investors or refinancing, she enjoys helping solve needs, improving client’s situations and building lasting relationships.

Her family roots start in Rocklin CA with the Ruhkala family. The Ruhkala’s have been prominent contributors to the local community for over 120 years. From her Finnish heritage and large family, she has learned to have high expectations, integrity and the will to succeed. Her family says she has “sissu”, which is a Finnish term that translates as “strength of will, determination, perseverance” that she uses to help her clients through sometimes challenging conditions.

Raising three sons with her husband of over 20 years, Chris Tagert, is an 8th grade history teacher at Eich Middle School for 18 years. He loves teaching in the Roseville community and is also the East Coast 8th grade trip advisor. The family is involved in multiple sport activities, baseball, football, and basketball year around.

As a mortgage consultant, she will take the time to discuss the best loan options for the client’s needs so they can move forward in confidence. Aspiring to make the loan process smooth and as stress-free as possible, she works for the client to meet and beat their expectations.

Kristy has the ability to reach out to people and make a difference because she cares; her aim is to leave clients with a positive experience, and help reach their goals now and in the future.

Contact Kristy Ruhkala to start the loan process and obtain your Loan Approval. She will lead you in the right direction to find the best financing solutions for you.

“The finest compliment I can ever receive is a referral from my customers. Thank You.”

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BRE #01336080 | NMLS #256835

Testimonials

5 ★ on Reach150, Nov 29, 2018

Delores

Kristy Ruhkala and her Assistant Ashley Quinn, Worked very hard to help me get through the Paper work and guide me through the process of be... Read More

5 ★ on Reach150, Nov 12, 2018

Justin

Kristy and her team worked incredibly to close our short escrow on time and smoothly. There were many challenges that could easily and justi... Read More

5 ★ on Reach150, Aug 31, 2018

George

I would like to thank Kristy and her entire staff for the quick and very fast services provided to me and my wife. This is the second time w... Read More

5 ★ on Reach150, Jul 28, 2018

Tom

Kristy has been the most excellent lender that I have worked with in the 20 years I've been in Real Estate. She won me over with her perseve... Read More

5 ★ on Zillow, Jul 06, 2018

Allana

We love Kristy, she is has so much knowledge. She has already helped many of my family members as well. She is the best!!!!! If you are look... Read More

5 ★ on Facebook, May 15, 2018

Christopher

Top Mortgage Professional! Kristy, along with awesome assistant, Ashley, provided superior service throughout our recent home refinancing in... Read More

5 ★ on Zillow, May 12, 2018

lighthouseproperty

Our loans are complicated. Our financial situation is complicated. Kristy not only understood the challenges of getting us a loan, she went ... Read More

5 ★ on Trulia, Apr 06, 2018

tindreboe

Buying our first home From our first phone call to the day we signed our final documents, Kristy was 100% committed to making sure our dream... Read More

5 ★ on Facebook, Apr 06, 2018

Tyler

From our first phone call to the day we signed our final documents, Kristy was 100% committed to making sure our dream of owning our first h... Read More

5 ★ on Reach150, Apr 06, 2018

Tyler

From our first phone call to the day we signed our final documents, Kristy was 100% committed to making sure our dream of owning our first h... Read More

5 ★ on Reach150, Mar 19, 2018

Allana

Kristy is a wonderful lender. I highly recommend her to all my clients and friends/family. One of my favorites things about her is she alway... Read More

5 ★ on Reach150, Mar 16, 2018

Kelly

I have worked with Kristy Ruhkala for years and she is a top notch lender. She is honest and has great communication with clients and all ot... Read More

5 ★ on Reach150, Mar 07, 2018

Jessica

Kristy was fantastic. Simple, quick, and easy! Best experience to date!

5 ★ on Facebook, Feb 26, 2018

Tomasz

5 ★ on Reach150, Jan 23, 2018

Robert

The best experience I have ever had purchasing a house. Not one promise did Kristy make, did she not follow through with. I started working ... Read More

5 ★ on Reach150, Jan 16, 2018

Jordan

Kristy is a pleasure to work with. She's responsive, attentive and willing to adjust her style and scope of service to fit each client's nee... Read More

5 ★ on Reach150, Jan 12, 2018

carol

I recently sold my personal residence. Kristy Ruhkala handled the loan for my Buyer and we closed the escrow in just under 30 days. I was ve... Read More

5 ★ on Reach150, Oct 29, 2017

Jon

Kristy was extremely informative and helpful with obtaining our mortgage, making the entire process extremely smooth (and fast!). We could n... Read More

5 ★ on Facebook, Oct 29, 2017

Jon

Had a great experience with Kristy, she was helpful and informative and really smoothed out our entire mortgage process fro beginning to end... Read More

5 ★ on Reach150, Oct 25, 2017

Raymoned

Kristy Ruhkula was introduced to me by my Real Estate Agent Trena Thompson. Kristy notified me the same day she had spoke with Trena about t... Read More

5 ★ on Reach150, Oct 14, 2017

Cory

Kristy is absolutely wonderful to work with. She is very knowledgeable, prompt, efficient and has impeccable customer service. Kristy has he... Read More

5 ★ on Trulia, Oct 14, 2017

user62425025

Best in the business Kristy is absolutely the best and wonderful to work with. Our experience could not have been made any easier or pleasan... Read More

5 ★ on Zillow, Oct 14, 2017

user62425025

Kristy is absolutely the best and wonderful to work with. Our experience could not have been made any easier or pleasant. I would definitely... Read More

5 ★ on Facebook, Oct 14, 2017

Cory

Kristy is the best! She has helped us on multiple occasions and we couldn't have had a better experience!

5 ★ on Reach150, Oct 06, 2017

Josh

Kristy was amazing. She was really on top of things and we closed in record time! I would recommend her to anyone and everyone. So lucky to ... Read More

5 ★ on Reach150, Oct 06, 2017

Trena

Kristy was instrumental in getting this transaction closed on time! She responded immediately and dropped everything to meet the client last... Read More

5 ★ on Reach150, Sep 25, 2017

Nick

Kristy did a great job getting the loan for my client closed on time! She answered all questions and responded to emails quickly! It was a g... Read More

on Reach150, Jun 14, 2017

Allana

Kristy is an amazing loan officer. She is so quick to respond, always thoroughly answers your questions and the clients questions. She reall... Read More

on Reach150, May 26, 2017

Becky

Kristy was wonderful to work with! She is professional, responsive to communication and very knowledgeable. I will definitely refer my clien... Read More

5 ★ on Facebook, May 17, 2017

Dan

on Reach150, May 09, 2017

The Beshara

We worked with Kristy on a transaction where she were representing the seller. She did the loan for the buyer and she was great in performin... Read More

on Reach150, Feb 11, 2017

Karen L

I just want to thank Kristy Ruhkala for helping me refinance my home. My husband, Paul, had started the paper work to refinance our home. Bu... Read More

on Reach150, Dec 09, 2016

Justin

Kristy was an excellent loan officer to work with. She handled all matters related to getting me my home loan promptly. I highly recommend h... Read More

on Reach150, Dec 06, 2016

Andrew

I believe Kristy did a great job! We had issues late in the transaction and Kristy handled them like a pro. Kristy went above a lender's reg... Read More

on Reach150, Oct 19, 2016

Alisa

Kristy did an outstanding job: she had strong communications skills and went above and beyond to get this deal done!

on Reach150, Oct 14, 2016

Christa

Kristy did an amazing job with my refinance! Always kept me updated and worked hard to get me the best loan! Thanks Kristy

on Reach150, Oct 06, 2016

Ana

Kristy was an amazing loan officer! Her urgency on any requests and her support was impeccable. I would, with no regrets, recommend Kristy R... Read More

on Reach150, Sep 29, 2016

George

I would like to thank Kristy and her staff for working so hard with my loan. the VA loan was at best a challenge, however they were persiste... Read More

on Reach150, Jul 14, 2016

Veronica M

Kristy did an exceptional job from start to finish with my loan. In a very competitive housing market her skills and diligence are invaluabl... Read More