As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Branch Manager

Ruth Michalski is your Daytona Beach local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Ruth is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ruth at (860) 213-0128 for more information!

Ruth Michalski at Rate (NMLS #144615)

Daytona Beach

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