Kristy L Ruhkala

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 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 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.”