Ruben GurgovBranch Manager/Senior Loan Officer
NMLS ID #8273Full 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.
Experienced, organized, tenacious, aggressive, caring and knowledgeable
Direct: (718) 969-7170
Fax: (718) 732-0687
Cell: (770) 722-1393
Licensed States: NY
FM HOME LOANS - FRESH MEADOWS BRANCH
186-09 Union Tpke
Fresh Meadows, NY 11366
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 verySeptember 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 haveNatalie 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
Rent Vs. Own
Compare the estimated costs of buying vs. renting a home.
|Home Purchase Price:|
|Mortgage Interest Rate:|
|Should you rent or own?|
|Average monthly payment increase if owning:|
|Estimated total gain over 7 years if owning:|
|Initial Rent Payment|
|PMI (Mortgage Insurance)|
|Before Tax Monthly Payment|
|Annual Home Maintenance|
|Total Payments Over 7 Years|
|Total Tax Savings Over 7 Years|
|Average After Tax Monthly Payment|
|Estimated Home Selling Price|
|Estimated Cost to Sell|
|Down Payment & Initial Closing Costs With Unearned Interest|
|Investment Gain of Owning vs. Renting|
|Total Payment Savings of Owning vs. Renting|
|Total Payment Savings of Renting vs. Owning|
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.