The Kay Fruci Team - Powered by RWM Home Loan...
Branch Manager
Hi, I’m Kay Fruci, and I’m here to make the homebuying process easy. I work with buyers at every stage — first homes, next homes, and refinances. Whether you’re buying your first home, moving into something new, or refinancing to improve yo... Show More
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The Kay Fruci Team - Powered by RWM Home Loans has received a review with 5 star rating from Connor W
My wife and I have never bought a home, we were extremely anxious, Kay made the process smooth and lessened our worries, making it much less stressful
Kay was always there whenever we had questions, and she went above and beyond to make sure we understood and were taken care of.
Always love working with Kay Fruci.She has helped us with multiple loans and multiple loan products that meet our needs as home owners and investment property owners. Always grateful for her guidance and patience and amazing knowledge to help...
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Reply from Owner
January 9th, 2026 10:24 AM
Thanks Ashley! I love working with you as well and appreciate your kind words.
As love working with Kay Fruci.She has helped me with multiple loans and multiple loan products that meet our needs as home owners and investment property owners. Always grateful for her guidance and patience and amazing knowledge to help us...
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Reply from Kay Fruci - RWM Home Loans | Vetera...
December 29th, 2025 03:08 PM
Ashley, I truly appreciate your kind words. It's been a pleasure assisting you with your loans and finding the right products for your needs. I'm glad my guidance and knowledge have been helpful in making the best decisions for your family.
Kay helped us navigate every step. It seemed like an overwhelming process and she was always very quick to respond to our questions and walk us through the complicated forms. It was a pleasure to work with her! She was a pleasure to work with...
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Reply from Kay Fruci - RWM Home Loans | Vetera...
December 29th, 2025 03:08 PM
Nadja, I'm really glad to hear that I could assist you throughout the process and help make it feel less overwhelming. Being responsive and guiding you through the details like contracts and appraisals is something I strive for with all my...
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Great working with Kay!!!
Reply from Kay Fruci - RWM Home Loans | Vetera...
December 29th, 2025 03:09 PM
I appreciate your enthusiastic feedback. It was a pleasure working with you as well. If there's anything else I can assist you with in the future, don't hesitate to let me know.
This is the second time we have used Kay and RWM. Kay fights for her clients and is very knowledgeable in the VA process! We will never use anyone else!
Reply from Kay Fruci - RWM Home Loans | Vetera...
December 8th, 2025 05:50 PM
Erin, I'm grateful for your continued trust and the kind words. It's wonderful to know that my knowledge of the VA process was helpful. Your confidence in my services means a lot, and I’m here for any future needs you might have. Thank you...
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RWM Homes Loans Appreciated the regular updates and consistent communication made all the difference. Thank you for keeping me informed through every step of the process.
Reply from Owner
January 9th, 2026 10:24 AM
Thanks for taking the time to share your experience Victoria. It means the world to us that you appreciated our consistent communication. We wish you the best.
Your regular updates and consistent communication made all the difference. Thank you for keeping me informed through every step of the process.
Reply from Kay Fruci - RWM Home Loans | Vetera...
November 13th, 2025 05:47 PM
Jeffrey, I appreciate your kind words. Keeping you informed and maintaining consistent communication throughout the process was a priority for me. I'm glad to know it made a positive impact. If there's anything else you need or further questions...
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About
Hi, I’m Kay Fruci, and I’m here to make the homebuying process easy. I work with buyers at every stage — first homes, next homes, and refinances. Whether you’re buying your first home, moving into something new, or refinancing to improve your situation, I’m here to help.
As a true mortgage nerd, running numbers and comparing loan scenarios is my passion—I break down options, explain real-life impact, and guide you toward the best fit for your goals and budget. VA loans are a specialty, and working with them daily means I know the details and how to leverage your benefits for maximum advantage.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
Conventional Loan
FHA Loan
VA Loan
First Time Home Buyers
USDA Loan
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2001
Time Zone
Mountain Standard Time (MST)
Licenses
- NMLS 1864837 & 1064528
Disclaimer
Not all products are available in all states for all amounts. All mortgage applications are subject to underwriting guidelines and approval. This is not an offer of credit or a commitment to lend.
Equal Housing Lender.
Residential Wholesale Mortgage, Inc. dba RWM Home Loans is licensed by the CA Bureau of Real Estate #01174642 and the CA Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. NMLS #79445