About Ru Toyama
Ru graduated from the United States Naval Academy and commissioned as an officer in the Navy in 2006. While serving 10 years as a Civil Engineer Corps Officer, he was stationed around the country from Florida, Mississippi, California, and DC. He also deployed to Ar Ramadi, Iraq, and Guam. Looking for the next chapter in life and wanting to use his project management skills and desire to serve people, he transitioned into the mortgage lending business as a residential loan officer via a connection of his wife. His commitment to our country and community resonates in his passion to serve customers in the homebuying process every day. Supporting the active duty and veteran community is near and dear to his heart. His experience provides a comfort level in communicating and understanding what they're going through or have gone through in their careers of service. Ru and his team are dedicated to helping all buyers looking to make the dream of home ownership a reality. As a loan officer with Rate, Ru provides residential purchase, refinance, Home Equity Line of Credit, renovation, construction financing, and many other unique product solutions that likely fit almost any kind of borrower, since everyone's financial situation is unique. His exceptional customer service, coupled with the right loan program, will make buying or refinancing your home a worry-free experience from start to finish! The DMV real estate market is very competitive, and having a true local lender in your corner can truly make the difference in winning a contract. He is married to Sharon Wildberger, a local Alexandria realtor, and they reside in Old Town with their cat Snickers.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
Download our app
Now available on
Located at 1300 N 17th St., Suite 550 Arlington VA, 22209
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google Inc.