Kristy L Ruhkala

NMLS #256835

Senior Loan Officer

City

Roseville

Language

English

Licensed In

California

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Kristy's Bio

NMLS #256835
Senior Loan Officer

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, Chris Tagert, he is an eighth grade history teacher at Eich Middle School and is also the East Coast trip advisor. The family is involved in multiple sports activities and loves the outdoors.

As a mortgage consultant, she will take the time to discuss loan options that meet 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 help guide you to find competitive financing solutions for you.

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

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Testimonials

5 ★ on Zillow, Aug 04, 2020

KarenVerity

Kristy was wonderful in helping us finance our new home. Even with some of the seller's hiccups, Kristy's expertise made sure we were able t... Read More

5 ★ on Zillow, Apr 10, 2020

sukafish72

Kristy will work for and with you to make it happen. Thanks to her for making the loan happen. When we are In the middle of a Pandemic, she ... Read More

5 ★ on Zillow, Apr 09, 2020

jlbossygregory

I made the offer and it was accepted then within days COVID19 took control. Throughout this challenging time, Kristy continued to work on ge... Read More

5 ★ on Zillow, Mar 10, 2020

briley3520

Kristy helped us get our refinanced loan which let us pay off some bills and do some repair work on our house. She thoroughly explained the ... Read More

5 ★ on Zillow, Nov 19, 2019

Regan

This is the second time of working with Kristy on a loan and we know we will utilize Kristy form now on. This loan we just completed was und... Read More

5 ★ on Reach150, Nov 18, 2019

Patricia

Kristy takes the stress out of the loan process. With so much knowledge of the loan process, Kristy is able to guide us with the least amoun... Read More

5 ★ on Reach150, Oct 03, 2019

Steve

Kristy once again did a great job on financing our loan. Previously Kristy financed our original loan 5 1/2 years ago and I contacted her re... Read More

5 ★ on Reach150, Jul 30, 2019

Thomas

I couldn’t have asked for a better person to work with, answered my calls when i had concerns or questions on the process. She helped thro... Read More

5 ★ on Reach150, Jul 01, 2019

Brenda

Kristy saved our lives!! We needed a plan to get out of debt. and Kristy came up with a refinance that fits our budget with money left at th... Read More

5 ★ on Reach150, Jun 10, 2019

Janie

To put it simply...Kristy is a rock star. She recently helped me with my home refinance, and it turned out that she was the best loan office... Read More

5 ★ on Reach150, May 24, 2019

Gloria

I had the pleasure of working with Kristy on a few transactions. She worked diligently to get my clients approved for purchases. Her knowled... Read More

5 ★ on Reach150, May 14, 2019

Mary Ann

Kristy was so efficient so knowledgeable and made this stressful process so much easier I would recommend her to all my family and friends s... Read More

5 ★ on Reach150, May 09, 2019

Ashonda

My husband and were 1st home buyers. Kristy explained the whole process and was very responsive with calls and emails. Loan closed on time!

5 ★ on Zillow, May 02, 2019

dstephens1307

Kristy and her team did a wonderful job getting me and my daughter into our new home! She was always positive and upbeat, she communicated w... Read More

5 ★ on Reach150, May 02, 2019

Dave

Kristy and her team did an amazing job getting me into my new home. She communicated with me daily and she was always quick to answer any qu... Read More

5 ★ on Reach150, Apr 27, 2019

Rodger A

Kristy and her staff did an excellent job of getting our loan for our new home. She kept us informed every step of the way. We highly recomm... Read More

5 ★ on Reach150, Feb 19, 2019

Sandy

Kristy is awesome, was very patient with us and once we found our home she worked around the clock and we got our keys within 18 days.

5 ★ on Reach150, Feb 15, 2019

Shannon

Best lender ever. Very sufficient and had ale information needed at hand. We received our keys within 18days she is the best.

5 ★ on Reach150, Jan 08, 2019

Joellinda

Short escrow with great follow up and results!

5 ★ on Reach150, Dec 18, 2018

Kayla

Kristy is wonderful! We are first time homebuyers so we of course had a lot of questions but Kristy was patient, took the time to make sure ... Read More

5 ★ on Reach150, Dec 18, 2018

David & Anastasiya

Great customer service! I had the pleasure to work with Kristy Ruhkala in the purchase of our clients home. She was fantastic! Kristy was ve... Read More

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