

Ruth Dudley
Loan Officer | NMLS# 2106400


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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM(Open now)
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Reviews from Web
Ruth was professional, organized, friendly and supportive during our closing. She made it as easy as possible and answered all of our questions. We felt like we made a friend in the process!
Reply from Ruth Dudley
April 3rd, 2026 04:11 PM
Danene, I'm pleased to hear that the closing process was smooth and that my support and organization made a difference for you. Building that sense of connection is incredibly rewarding. If you have any more questions or need assistance in...
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Ruth herself!!! She's kind and pleasant to work with. The process was clear.
Reply from Ruth Dudley
March 31st, 2026 06:18 PM
Alyssa, I appreciate your positive review. It's great to know that you found the process clear and enjoyed working with me. If there's anything else I can do for you, please feel free to reach out.
Ruth was extremely informative, attentive, and she covered all the bases when it came to our options. Not only did she respond promptly, but responded after hours and on weekends if we ever had any questions or concerns. Would highly recommend!...
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Reply from Ruth Dudley
March 31st, 2026 06:42 PM
I appreciate your kind words, Jessica. It's important to me that you felt well-informed and supported throughout the process. I'm glad my availability and responsiveness were helpful to you. Thank you for recommending my services. If you have...
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Ruth is so timely and efficient! she is beyond knowledgeable!
Reply from Ruth Dudley
March 30th, 2026 07:17 PM
Opal, thank you for your kind words. It’s wonderful to know that my timeliness and efficiency made an impact, and I appreciate your recognition of my knowledge. If there's anything more you need assistance with, please don't hesitate to reach...
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Ruth is very professional & attentive! She made me very comfortable with the entire process, and I never felt rushed when talking with her-would highly recommend!
Reply from Ruth Dudley
March 30th, 2026 05:15 PM
Your feedback is much appreciated, Carmen. It's important to me that you felt comfortable and not rushed during the process. I'm glad I could provide the support you needed. Thank you for recommending me, and if there's anything more I can...
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Communication was phenomenal. And even if I asked the same question multiple times, Ruth was great about being patient and kind in thoroughly explaining everything to me.
Reply from Ruth Dudley
March 27th, 2026 02:59 PM
I'm pleased to hear about your experience, Renee. It's important to me that communication is clear and helpful, so I'm glad I could assist with your questions effectively. If there's ever anything else you need, please feel free to reach out....
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Ruth was amazing during the entire experience. She answered every question, and we had quite a few. It was obvious that Ruth loves her job. She was knowledgeable and very helpful. She was available all day and all night, and I'm certain she...
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Reply from Ruth Dudley
March 26th, 2026 01:47 PM
I really appreciate your kind words, Jennifer. It means a lot to know that I could assist you effectively throughout the process. Your acknowledgment of my commitment and knowledge is truly encouraging. I'm glad I could help address all your...
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Ruth was great! Kept us in the loop and was extremely helpful through the whole process
Reply from Ruth Dudley
March 26th, 2026 05:04 PM
Joseph, I'm grateful for your feedback. It’s wonderful to know that I could help keep you informed and assist you throughout the process. If you ever need anything else, please feel free to reach out.
We were lucky to find Ruth! She was amazing with everything, from explaining the process & answering any questions, with great detail. She eased a lot of our nervousness that came with first time home buying. She went above and beyond, always...
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Ruth was so patient with me until I was ready to buy a house even if it took me a few years. During the whole process she walked me through each step. Never felt alone in the house buying process.
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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.