Ruben Gurgov

Branch Manager/Senior Loan Officer

NMLS ID #8273

Full Application


"Let Ruben get you home!"

Bio

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

Reviews

 from 15 reviews

 

12/08/2022 | B.B. | Briarwood, NY
Everything was ready on time, all paperwork what should be filled and sent had been done by the team, bcos the nature of my business is not common and I could be able to spend much of the time in the city, team helped me out to make sure we are ready for closing. Ruben is very knowledgeable, good adviser and was helpful in getting best rate for that moment. Hopefully we wil work on some other deals too.

 

10/21/2022 | R.S. | Hollis, NY
straight forward conversation with client

 

10/13/2022 | Z.H. | West Babylon, NY
Everything was straight forward and quick No issues the entire way

 

08/26/2022 | M.A. | Fresh Meadows, NY
Very helpful in helping me get a mortgage

 

08/18/2022 | V.G. | Flushing, NY
Customer Service

 

08/15/2022 | V.A. | Flushing, NY
Great communication

 

06/08/2022 | A.K. | Malverne, NY
There is two types of customers you have one is very good knowing about online others are not I like to suggest you please try to make an arrangement to do manually paper work.

 

05/28/2022 | I.F. | Hewlett Harbor, NY
Held our hand the whole step of the mortgage process

 

05/24/2022 | A.A. | Flushing, NY
Fast response, excellent communication and great service!

 

05/24/2022 | I.M. | Flushing, NY
Fast response, knowledgeable advice.

 

05/16/2022 | K.H. | West Babylon, NY
Ruben was a great advisor when It came to the financial process of purchasing a new home for the first time. He explained in detail the process and provided us with everything we needed to further move on with the approval. When needed he was always available and his staff is very diligent on the work they do. They provided us with great rates and explanation of everything being done. I would highly recommend Ruben to friends and family

 

05/15/2022 | C.P. | West Babylon, NY
Ruben and his staff are very professional and they are always on top of everything making sure you have all the documents required to get approved and so you don’t have any delays in the process of buying your house. Ruben always helps you in everything he can and he does the best to give you the best rates in the Market. I will definitely recommend Ruben to friends and family, he will take care of you.

 

05/13/2022 | R.T. | Bronx, NY
Service is good

 

04/15/2022 | D.K. | Great Neck, NY
Easy to work with

 

04/07/2022 | M.A. | Queens Village, NY
Ruben and his team gave me excellent service. I am very happy with their service

Payment Calculator

Loan Information

$
%
years

Property Information

$

Taxes And Insurance Information

Rent Vs. Own

Compare the estimated costs of buying vs. renting a home.

Rental Information

$
%
$

Home Purchase Information

$
$
%
%
$
%
%
Years
%
%
%
%
Monthly Rent:
Home Purchase Price:
Down Payment:
Mortgage Interest Rate:
Should you rent or own?
Average monthly payment increase if owning:
Estimated total gain over 7 years if owning:
Rent Own
Initial Rent Payment
Renter's Insurance
Mortgage Payment
PMI (Mortgage Insurance)
Property Taxes
Homeowner's 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
Loan Balance
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
Re-Calculate With New Input

Download / Print

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.