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Meet Ruby Bains: Your Trusted Mortgage Broker

“With 25 years of experience in the banking industry and 8 years as an independent mortgage broker, I have seen how the mortgage process can be overwhelming.

My goal is simple: to make the process clear, transparent, and entirely tailored to your financial goals, getting you the best rate.

Whether you are looking for a new purchase, refinance, private or reverse mortgage, I will guide you every step of the way with integrity and care.”

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  EXCELLENT  
  
 Based on 72 reviews 
 
 
  
 
 
 
 
 
 
 
 
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Carita Sword 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Ruby was recommended to me by a long time and trusted friend when I was looking for someone to navigate my mortgage renewal. She was quick to respond, respectful, and knowledgeable. My experience was 5 stars and would recommend her expert services to anyone in need. Thanks Ruby!
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Reza Mortezapour 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Ruby helped us secure the best mortgage available for our first home. She was incredibly supportive, responsive, and knowledgeable throughout the entire process. She stayed with us through the final steps of closing and genuinely cared about making sure we felt comfortable and informed. Even after everything was completed, she continued to offer her help whenever we had questions.
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Mervat Aljebaje 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
I cannot say enough good things about Ruby Bainz. She is an incredibly kind, caring, and responsible mortgage broker who truly works from her heart.

Ruby goes above and beyond for her clients, always taking the time to explain everything clearly and making sure you feel supported and confident every step of the way. Her dedication, patience, and genuine desire to help make the whole process much less stressful.

She truly cares about her clients’ happiness and works tirelessly to achieve the best possible outcome. I am very grateful for her support and highly recommend Ruby to anyone looking for an honest, hardworking, and compassionate mortgage broker.
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Blanca Cristina Castillo Salazar 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Ruby has a professional, hands-on approach to everything she does. She’s great at breaking things down with clear communication, making even the complicated parts easy to understand.

Anyone working with her can feel confident they’re being guided by someone who truly knows what she’s doing!!
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Virgin Homes 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Working with Ruby has been an absolute pleasure. We’ve referred multiple clients to her over the years, and every single one of them has come back with glowing feedback. She’s the perfect mix of energetic, professional, and genuinely caring, someone who not only knows her stuff inside and out, but also makes people feel completely at ease during what can be a stressful process.

It’s clear she puts her heart into every file. You can always count on Ruby to go the extra mile, and that kind of consistency makes her a rare gem in this industry. We’re always confident sending clients her way!
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 R L 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Ruby went above and beyond for us, sorting out last minute lender wrinkles so that we had a smooth purchase. She was helpful, kind, and professional.
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 María C Gutierrez 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
This was my first time applying for a mortgage and Ruby truly went above and beyond. She guided me through each step, made me feel safe and supported as a woman navigating something completely new, and turned a hard process into a positive experience. I’m so grateful for her help

Highly recommend her
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Sanampreet Kaur 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Ruby is a lively and confident professional who brings both warmth and clarity to every interaction. Her communication is always clear, timely, and thoughtful, which speaks volumes about how well she takes care of her clients.

What stands out most is the balance she strikes between professionalism and genuine care. Her confidence reflects her deep knowledge and commitment to doing things right. Anyone working with her is in incredibly capable hands.
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 A C 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
We had an amazing experience working with Ruby! She made the entire mortgage process smooth, stress-free, and easy to understand. Her professionalism, responsiveness, and dedication truly made a difference. Would highly recommend.
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 David Margo 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Always a pleasure to work with Ruby. Great insights and guidance; connecting us to highly competitive mortgage providers. Highly, highly recommend!!