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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This was by far the best team I ever worked with. They took care to get me the best deal possible and it felt like I was working with friends rather than a company.
Reply from Owner
January 9th, 2026 10:24 AM
Thank you so much, Daniel! Your kind words truly mean a lot to us. We’re so glad you felt taken care of and that it felt more like working with friends—that’s exactly the experience we hope to create! It was a pleasure working with you, and...
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Knowing how much we were cared for and how personal the experience was. This was a great process and my personal finances were a priority focus as the team worked to get me the best deal possible.
Reply from Mark & Kay Fruci
July 24th, 2025 05:38 PM
Daniel, thank you for sharing your experience. I'm glad you felt cared for and that the process was personalized to meet your needs. Prioritizing your personal finances was important to me, and I'm pleased to know it made a positive impact....
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Mark and Kay were easy to communicate with. They were able to run several projections for us based on our information and helped us find the best situation for us. They are very knowledgeable about the market and kept an eye out for us to get...
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Reply from Mark & Kay Fruci
June 23rd, 2025 09:21 PM
Thank you so much for your kind words! We're so glad we could help you explore your options and find the best fit for your new home. It was truly a pleasure working with you, and we’re thrilled we could put our VA loan knowledge and market...
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standing experience working with RWM Home Loans! From our first conversation, Kay truly listened to all of our concerns and made sure we felt comfortable and informed at every step. What really stood out was her ability to break down complicated...
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Reply from Mark & Kay Fruci
June 23rd, 2025 09:22 PM
Thank you so much for the thoughtful review! It means the world to hear that you felt supported and informed throughout the process. Making sure you felt confident every step of the way was my top priority, and I’m so glad the communication...
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Great communication and always ready to walk through the questions I had. Made it easy to understand what options we had and made our questions feel valid throughout the process! Really appreciate the speed at which we were able to close and...
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Reply from Mark & Kay Fruci
May 19th, 2025 09:13 PM
It was a pleasure to help you and Zach! We are so glad you had a good experience and felt that our communication was consistent and helpful. We hope you enjoy your new home for many years to come!
Great communication and providing us options and examples of what our mortgage would be.
Reply from Mark & Kay Fruci
May 19th, 2025 09:14 PM
Thank you for taking the time to provide us your review. We enjoyed working with you on your refinance and are happy to hear that our communication and providing options was helpful.
The video explanations and setting expectations, the updates, quick responses to my questions and Mark and Kay were so nice to work with.
Reply from Mark & Kay Fruci
April 17th, 2025 11:09 PM
We're delighted to hear that you found the video explanations, updates, and quick responses helpful. It was a pleasure working with you, and we appreciate your kind words. Thank you for trusting us.
Your hands on help especially when understanding and filling out the endless number of documents and forms. You understood my concerns and urgency, addressing these as if they were your own. You were always available when I called and treated...
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Reply from Mark & Kay Fruci
April 17th, 2025 11:09 PM
I'm thrilled to hear that your experience with us was exceptional and that we could assist you effectively with the documentation process. Your satisfaction is important to us, and we're pleased to know that our approach made you feel valued....
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Mark and Kay were extremely responsive and took the time to educate myself as a 1st time homebuyer. I really can't thank them enough for their patience and understanding while guiding me through the process.
Reply from Mark & Kay Fruci
April 17th, 2025 11:10 PM
I'm thrilled to hear that our responsiveness and guidance made your first homebuying experience a positive one. It was a pleasure assisting you, and I'm grateful for your kind words. Thank you for trusting us.
Kay and Mark provided excellent guidance throughout the home buying process. As first time buyers we had many questions and they always were willing to help provide insightful answers. Their flexibility and willingness to go above and beyond...
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Reply from Mark & Kay Fruci
December 31st, 2024 05:42 PM
Hi Michael, we're thrilled to hear that you had such a positive experience with us at RWM Home Loans. Your feedback means a lot. As first-time home buyers, it's crucial to have all your questions answered and we're glad we could provide that...
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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