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    Reena Loans & Real Estate

    5.0 (4 reviews)
    Closed 8:00 am - 5:00 pm

    Services - Reena Loans & Real Estate

    Buyer's agent

    Listing agent

    Property management

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    Mariya Ruchka

    Mariya Ruchka

    (5 reviews)

    Outer Richmond

    Peace of mind home buying! Have your ever thought that no…read morematter what your income is, the realtor would consider your wishes and respect you as a person?! Mariya has YOUR best interest at heart first, and her own profit - second. She works tirelessly to find what's best for you and to finance it in the best possible way. It always amazed me that Mariya would go way above and beyond her duties as a realtor and financier. She would clearly explain all the details a first time buyer should pay attention to, she would bring up options and ideas that I would never consider, she would advertise and rent my property for me; and she would do all that with an open heart and a friendly smile! During the entire process of home buying and getting approved for a loan, which for most people I know was the most stressful time of their lives, I felt protected and sheltered by Mariya. I was allowed to feel excited and joyful for the successful deal, while she was working day and night behind the scenes, putting out fires and dealing with difficult people and banks. And if all that is not enough to convince you that Mariya is the best real estate agent and a wonderful person, I'll tell you the story of how she saved me over a ten thousand dollars in taxes. She noticed a HUGE mistake my new cpa made on my tax return and alerted me to it. If not for her, I would've payed ten grand in taxes and wouldn't be the wiser. I trust her professional opinion and her expertise, and I'm looking forward to working with her again.

    Mariya was referred to me by my real estate agent as a mortgage broker to refinance our townhouse…read more I must say this was my first refinance experience, anyone with prior knowledge of the process would've walked away. Here are her "best" practices: - promised a "no closing cost" loan and kept reassuring the numbers on the GFE were just an estimate, until a couple of days before the closing where she said it would be 700. It ended up being over 2000 at signing. - would disappear for weeks and then call back with "I need this signed and sent back to me in the next 15 minutes" - would push you to sign documents immediately, leaving you no time to think. - would promise to walk me through the papers I need to sign at closing, but the first time I saw the papers was at signing. The list could go on and on... To sum it all up, if you are a person experienced in refinancing that knows the process inside out, likes bargaining and is not in a hurry, go for it. Otherwise, stay away.

    City Loan & Financial Center

    City Loan & Financial Center

    (3 reviews)

    Inner Richmond

    I wish I could give her 10 stars!!! I can't say enough good things about PJ. I was being wayyyyy…read moreovercharged for another loan on a new triplex purchase and called PJ. She was able to get me a better rate, within days (the other lender was trying to charge me $10K for a 4.6% rate. PJ got me a 4.25% rate with zero points and some cash back at closing.) She even offered to push her vacation back so we could close on time. This is the 2nd time I worked with PJ she helped me sell my first home, helped my brother purchase his and trust me if she could get him a loan, she can help ANYONE!!! lol If you want someone who is going to get you the best loan, save you money and handle things professionally and quickly. You found her!!! A+++++

    Working with PJ was a incredible experience from beginning to end. She guided us throughout the…read morehome buying process and helped us feel confident at all stages. Her negotiation skills were instrumental in closing the deals. Any advice that she gave us was based on her vast experience in buying, selling and financing real estate transactions and proved to be very beneficial to us. PJ is very thorough, she works her butt off, and did her due diligence when it came to the paperworks and contracts. When buying home it is important to have a good team, and PJ played a major role in our purchase experience. PJ led us through the whole process, giving us updates and communicated with us every step of the way. PJ's assistance in our purchase of our house was an excellent experience. She's the best of the best I would highly recommend her.

    Reena Loans & Real Estate - mortgagebrokers - Updated August 2026

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