

Ruth Dudley
Mortgage Loan Officer


The University of Tennessee, Knoxville
In the world of financial institutions, where transactions often outweigh personal connections, I try to stand out as a loan officer who brings compassion and a relentless work ethic to the forefront. What truly sets me apart is my ability ... Show More
Location & Business Hours
Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Ruth was with me through all of the ups and downs of buying a new home. She was always there to support or guide me through the process with understanding and kindness.
Reply from Ruth Dudley
August 12th, 2026 07:07 PM
Kimberly, thank you for your kind words. I'm glad I could support and guide you through the home buying process. If you ever need assistance in the future, please feel free to reach out.
The help we received in finding and getting the home we wanted
Reply from Ruth Dudley
July 22nd, 2026 02:38 PM
Daniel, I appreciate your feedback. I'm glad to know I could assist you in finding and securing the home you wanted. If there's anything else you need, please feel free to reach out.
Ruth made everything easy, which says a lot when you’re talking about getting ready for closing on a home! She is professional, courteous, helped me to stay on track so I didn’t miss any deadlines, and a pleasure to talk to. I always felt like...
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Ruth is what made our buying experience so great. she did such a good job communicating and explaining everything so we could understand. She always responded to questions in a timely manner and usually right away.
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Reply from Ruth Dudley
July 16th, 2026 04:08 PM
James, thank you for your kind words. I'm pleased to hear that my communication and responsiveness contributed positively to your buying experience. It was a pleasure assisting you throughout the process.
Ruth was absolutely amazing, I started working with her prior to moving to Knoxville so I would know my options, she listented to what I was looking for, took notes to look into things I asked about and then with my options guided me in the...
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Reply from Ruth Dudley
July 16th, 2026 05:15 PM
Kaci, thank you so much for your kind words and recommendation. I'm glad to hear that my guidance was helpful during your move to Knoxville and that I could provide support throughout the process. It was a pleasure working with you and I'm...
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Ruth was kind, prompt, and truly cared about my closing going well. Thank you, Ruth!
Reply from Ruth Dudley
July 16th, 2026 07:07 PM
Sharon, I appreciate your kind words. I'm happy to know that my promptness and care made a positive impact on your closing process. Thank you for sharing your experience!
Ruth was extremely helpful, patient, kind, and informative throughout the entirety of our process with her. I will be using her for any and all future transactions, and recommending her to everyone I know!
Reply from Ruth Dudley
July 13th, 2026 01:37 PM
Gabriel, I'm grateful for your kind words and your trust in me. It's wonderful to hear that you found my assistance helpful and informative throughout the process. I look forward to working with you on any future transactions and appreciate...
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Ruth was very professional and an excellent communicator. She was very efficient in getting our finances secured for our new home purchase. The experience was seamless. Ruth communicated to us throughout the whole process so that we were educated...
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Reply from Ruth Dudley
July 7th, 2026 05:23 PM
Lindsay, I appreciate your kind words and recommendation. I'm glad to hear that the process felt seamless and that my communication helped keep you informed at every step. It was a pleasure assisting you with your new home purchase. Thank you...
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Ruth has been amazing. You need to clone her!
Reply from Ruth Dudley
July 6th, 2026 01:20 PM
Jeffrey, I'm grateful for your kind words. It's wonderful to know that you had such a positive experience. Thank you for your thoughtful feedback!
Very responsive. Quick pre-approval. Very pleasant personality. Great communication.
Reply from Ruth Dudley
July 6th, 2026 05:46 PM
Brent, I'm glad you appreciated the quick pre-approval and communication. It's great to know you found my responsiveness and personality pleasant. Thank you for your kind feedback!
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About
In the world of financial institutions, where transactions often outweigh personal connections, I try to stand out as a loan officer who brings compassion and a relentless work ethic to the forefront. What truly sets me apart is my ability to accomplish the seemingly impossible. When others might give up, I see challenges as opportunities to excel. I navigate through complex financial landscapes with a sense of purpose and determination. I can examine the financial situation from all perspectives and give my clients a well rounded and educated decision as to what will serve them best with their mortgage. I pride myself on being an advocate for those who are often excluded. I am truly honored to have the opportunity to work with you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Medical Professional Mortgages
Fixed Rate Mortgages
USDA Loans
DSCR Loans
Cash-Out Refinances
Specialities
Mortgage
Refinance
VA
FHA
USDA
Conventional
Jumbo
Physician Loans
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Education
- The University of Tennessee, KnoxvilleBA CommunicationAug 2007 -May 2011

Positions
- Lower Mortgage, LLC - Licensed Loan Officer
- Lower, LLC - Mortgage Loan Originator
Year Started
2021
Time Zone
Eastern Standard Time (EST)
Licenses
- Indiana 64736
- Kentucky 845139
- North Carolina 216478
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Hobbies
- Reading
- Fishing
- Watching Football
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Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.