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Ruben Gurgov

Branch Manager/Senior Loan Officer

NMLS ID #8273

Full Application

"Let Ruben get you home!"


Ruben uses FM Home Loans extensive mortgage lending resources and experience to provide his clients with great rates, fast pre-approvals, superior customer service and hassle-free closings. As a loan officer with FM Home Loans, he is dedicated to building lasting relationships with realtors by providing their buyers with effective purchasing solutions and real time communication.

Super Powers

Experienced, organized, tenacious, aggressive, caring and knowledgeable


I wanted to thank all of you for helping us secure a mortgage for our new home. 
I cannot express how great they were to work with.... 
They were very professional and friendly and kept me informed the entire step of the way. 
They locked me in at an excellent rate and they still call to see how I am doing till this day. 
They provide a very personal touch during a very stressful process. It's been a pleasure working with you. I will definitely recommend you to my friends and family. 
Thank you Ruben for always being prompt in getting back to me with all my questions. 

September 5, 2013

Ruben assisted me in getting a mortgage and later to refinance that mortgage. Additionally he assisted a relative whom I referred. Ruben provided excellent service. 
I was very pleased with his attention and especially his concern for my interest. Ruben has years of experience and knows what he's doing. He is honest, trustworthy and an overall good guy. I was grateful to have him on my side when purchasing a home. I highly recommend him and will continue to use him in the future.

Natalie B .
October 4, 2013

When doing business with Ruben Gurgov it has always been a pure pleasure. He is very helpful and knowledgable in his field. Always looking for the best interest for his clients. He is not only an asset to his own business but to ours as well!! Thank you Ruben for your business. I greatly enjoy doing business with you and your company!!

Danielle M .
November 22, 2013

Ruben is very professional and has a very nice personality will help you in any way you need we are very happy that we went to him I would say he is number one Ruben knows exactly what he's doing so you can trust him and that is very important these days he is excellent !!!!!!!

Milana I .
February 26, 2014

Ruben is an amazing gentleman to work with. He is always on top of his files and keeps me well informed on all client files that have been referred to him. He is easily accessible and is very helpful to client's who are not so qualified. Pleasure to work with.

Johana M .
February 28, 2014

Ruben provided an excellent service. 
My husband and I was very pleased with his attention and especially his concern for our interest. Ruben has years of experience and knows what he's doing. I highly recommend him and will continue to use him in the future.

Oksana S .
May 15, 2014

Dealt with Ruben Gurgov when refinancing our mortgage. He demonstrated an expertise in his field, and guided us every step of the way. He is very knowledgeable, professional, and easy to deal with. Would highly recommend him to anyone.

Lyuba R .
October 4, 2013


 from 15 reviews


10/02/2020 | I.A.
Ruben went above and beyond to make my loan close smoothly. The rate and fees were very competitive and I am extremely happy with his professional service. I would highly recommend Ruben.


09/04/2020 | R.S.
Elegant job,im


09/01/2020 | P.M.
Very professional and knowledgeable.


08/30/2020 | B.A.
This was my second time working with Ruben, and his team, got a great rate on my refi.


08/23/2020 | B.A.
Rubin was just fantastic handling our mortgage with Pandemic Covid -19 going on in the world I would recommend fm home loans to any one looking for a mortgage this guys are top notch thank you fm home loans


08/18/2020 | C.B.
Great experience great guy to work with


08/18/2020 | R.T.
He does a good job


08/02/2020 | B.K.
Amazing service. Closed us in 3 weeks with an amazing rate.


07/25/2020 | O.K.
Mr. Gurgov help us with mortgage two years ago and because of his best service we back to him for refinance and again the best service , patient always smile . I recommend to everyone


07/22/2020 | D.K.
Attention ,patient ,explaining details , always smile


05/17/2020 | M.H.
I got excellent service. I'm 100% satisfied with the service i received.


04/23/2020 | N.U.
He was very mature and it always seemed like he knew exactly what to do in rough situations.


03/24/2020 | O.Y.
Great staff, quick and efficient


02/25/2020 | E.B.
Ruben is very experienced and professional in his field and very patient with his clients. I’m very happy that I choosed him as my morgage broker. Thank you again for everything!


02/13/2020 | A.B.
I just bought my house in Queens and was lucky to have Ruben Gurgov help me to get my mortgage. He was very helpful and knowledgeable. Always available to answer all my questions. Everything was done in a very short period of time. Thank you and lots of success in your hard work.

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The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.